Notice is hereby given that, in accordance with O.C.G.A. § 21-2-540 and O.C.G.A 3-3-7(j) & (p), a special election shall be held in conjunction with the November 6, 2012 General Election in Lumpkin County for the purpose of submitting to the voters the following questions for approval or rejection:

“Shall the governing authority of Lumpkin County be authorized to permit and regulate Sunday sales of distilled spirits and alcoholic beverages for beverage purposes by the drink?”

“Shall the governing authority of Lumpkin County be authorized to permit and regulate Sunday sales of malt beverages and wine by retailers of malt beverages and wine?”

The special election will be held in conjunction with the November 6, 2012 General Election.

All persons who are not registered to vote and who desire to register to vote in the special election may register to vote through the close of business on October 9, 2012. Early Voting will be held October 15 through November 2, 2012, Monday through Friday, 8:00 a.m. until 5:00 p.m. and Saturday October 27, 2012, 9:00 a.m. until 4:00 p.m. at the Lumpkin County Community Center (YMCA/Parks & Rec), 365 Riley Rd, Dahlonega, Georgia. Polls will be open 7:00 a.m. until 7:00 p.m. on Election Day.

This the 3rd day of October, 2012.

Ashley Peck

Supervisor of Elections

Lumpkin County

(10/3, 10/10, 10/17, 10/24, 10/31)223

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NOTICE TO VICKI G. MCMAHAN KING, WELLS FARGO BANK AND ALL THE WORLD

The right to redeem the following described property, to wit:

All that tract or parcel of land designated as Tax Parcel 036-041, in Land Lot 12 of the 13th District, Lumpkin County, Georgia, being 1.16 acres, more or less, as shown in Plat Cabinet One, Slide 65, Page 95A, Lumpkin County Records

will expire and be forever foreclosed and barred on and after the 29th day of October, 2012.

The tax deed to which this notice relates is dated the 6th day of September, 2011 and is recorded in the office of the Clerk of the Superior Court of Lumpkin County, Georgia, in Deed Book 1195, Page 483. The property may be redeemed at any time before the 29th day of October, 2012, by payment of the redemption price as fixed and provided by law to Kyle Daniel Diodati and Eleanore Marie Diodati at the following address: 6625 Highway 53E, Suite 410-423, Dawsonville, GA 30534.

Please be governed accordingly.

(10/3, 10/10, 10/17, 10/24) 172

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NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Frank H. Walker, Jr., deceased, late of said county and state, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to said Estate are required to make immediate payment to us.

This 26th day of September, 2012.

Kyle A. Walker, Executor

2406 Mill Creek Road

Dahlonega, GA 30533

(10/3, 10/10, 10/17, 10/24)

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NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of William Jeffrey Lowe, deceased, late of said county and state, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to said Estate are required to make immediate payment to us.

This 27th day of September, 2012.

Debra L. Lowe, Administrator

95 Memory Lane

Dahlonega, GA 30533

(10/3, 10/10, 10/17, 10/24)

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NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Asta I Marti, deceased, late of said county, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to said estate are required to make immediate payment to me.

This 15th day of August, 2012

Yvonne Marti-Garbee, Executrix of the Estate of Asta I Marti.

Joy L. Edelberg

Horne & Horne, PC

Post Office Box 37

Dahlonega, GA 30533

(10/3, 10/10, 10/17, 10/24)gpn06

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NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Cora E. Martin, deceased, late of said county and state, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to said Estate are required to make immediate payment to us.

This 4th day of September, 2012.

Joseph W. Martin and Norma M Hulsey, Executors

1323 River Flow Drive

Dahlonega, GA 30533

(10/10, 10/17, 10/24, 10/31)

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SUMMARY OF PROPOSED

CONSTITUTIONAL

AMENDMENTS

Pursuant to requirements of the Georgia Constitution, Attorney General Samuel S. Olens, Secretary of State Brian P. Kemp, and Legislative Counsel Wayne R. Allen hereby provide the summaries of the proposed constitutional amendments that will appear on the November 6, 2012, general election ballot for consideration by the people of Georgia (the short headings in bold print are the same as those assigned by the Constitutional Amendments Publication Board pursuant to O.C.G.A. Sec. 5012101):

#1

Provides for improving student achievement and parental involvement through more public charter school options.

House Resolution No. 1162

Ga. L. 2012, p. 1364

“YES ( )

NO ( )

Shall the Constitution of Georgia be amended to allow state or local approval of public charter schools upon the request of local communities?”

This proposal authorizes the General Assembly to provide by law for the creation of public state charter schools, which would operate under the terms of charters between the State Board of Education and charter petitioners, while preserving the authority of local boards of education to establish local charter schools. Specifically, the proposal clarifies the authority of the General Assembly to provide for statewide policies for public education prior to the college or postsecondary level, restates the authority of the General Assembly to establish special schools, prohibits the incurrence of bonded indebtedness or the levy of school taxes for the support of special schools without approval of the local board of education and the voters in the affected school system, provides that special schools may

include public state charter schools, preserves the authority of local boards of education to establish local charter schools, authorizes the expenditure of state funds for special schools, and prohibits the deduction of certain state funds from local school districts as a direct result or consequence of the enrollment of students in state charter schools.

The General Assembly has enacted a law to exercise the authority granted by the proposed constitutional amendment to provide for public state charter schools. This law will become effective only if the constitutional amendment is ratified by the voters. This law is published at Georgia Laws 2012, p. 1298, Sec. 1, and was enacted by 2012 HB 797, Act No. 766.

A copy of this entire proposed constitutional amendment is on file in the office of the judge of the probate court and is available for public inspection.

#2

Allows the state to save taxpayer funds through multiyear real estate rental agreements.

Senate Resolution No. 84

Ga. L. 2012, p. 1363

“YES ( )

NO ( )

Shall the Constitution of Georgia be amended so as to provide for a reduction in the state’s operating costs by allowing the General Assembly to authorize certain state agencies to enter into multiyear rental agreements?”

This proposal authorizes the General Assembly to provide by law for the State Properties Commission, the Board of Regents of the University System of Georgia, and the Georgia Department of Labor to enter into rental agreements for the possession and use of real property without obligating present funds for the full amount of obligation the state may bear under the full term of any such rental agreement. Any such agreement shall provide for the termination of the agreement in the event of insufficient funds.

The General Assembly has enacted a law to exercise the authority granted by the proposed constitutional amendment to provide for multiyear rental agreements for real property. This law will become effective only if the constitutional amendment is ratified by the voters. This law is published at Georgia Laws 2012, p. 989, and was enacted by 2012 SB 37, Act No. 717.

A copy of this entire proposed constitutional amendment is on file in the office of the judge of the probate court and is available for public inspection.

(10/17, 10/24, 10/31) 634

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Application for Beer/Wine

Richard A. Whorf has applied with the Dahlonega City Council for the Beer/Wine license for Yahoola Creek Grill located at 1810 South Chestatee Street, Suite #207, Dahlonega, Georgia 30533.

(10/17, 10/24)

Notice of Change of

Corporate Name

Notice is given that articles of amendment which will change the name of Horne & Horne, P.C., to Horne & Edelberg, P.C., have been delivered to the Secretary of State for filing in accordance with the Georgia Business Corporation Code. The registered office of the corporation is located at 215 Morrison Moore Pkwy E, Dahlonega, Georgia 30533.

(10/17, 10/24)

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NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Frances V. Kirk, deceased, late of said county, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to said estate are required to make immediate payment to me.

This 10th day of October, 2012

Johnny Kirk, Executor of the Estate of Frances V. Kirk

Joy L. Edelberg

Horne & Horne, PC

Post Office Box 37

Dahlonega, GA 30533

(10/17, 10/24, 10/31, 11/7)

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Notice of Public Sale

In accordance with the “Georgia Self-Service Storage Facility Act,” Oak Grove Stor-All, LLC, will sell to the highest bidder the following units on November 3, 2012, at 935 Oak Grove Road, Dahlonega, GA 30533 at 10 a.m. Oak Grove Stor-All, LLC. Our phone number is 706-864-2351. We reserve the right to bid, refuse any bid and withdraw any unit. Terms are Cash only and items must be removed from the facility within 48 hours. All items are sold as is. Sale is subject to cancellation in the event of a settlement between the owner and the obligated party. Any vehicle/RV/boat or any titled type of property is for parts only; no title is given or implied.

A general identity of the occupant renting the unit is as follows:

D27 J. Dillon

A20 F. Funderburk

E27 J. Anderson

A17 W. Torrince, Jr.

(10/24, 10/31)

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NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Charlotte Self, deceased, late of said county and state, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to said Estate are required to make immediate payment to us.

This 15th day of October, 2012.

Jerry D. Self, Jr. Administrator

803 Alcova Drive

Social Circle, Georgia 30025

(10/24, 10/31, 11/7, 11/14)

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NOTICE of Incorporation

Notice is given that articles of incorporation that will incorporate Solid Rock Drywall, Inc., have been delivered to the Secretary of State for filing in accordance with the Georgia Business Corporation Code. The initial registered office of the corporation is located at 516 Lakeview Drive, Dahlonega, Georgia, and its initial registered agent at such address is Ben James III.

(10/24, 10/31)

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AUCTION

Armored Mini Storage

5361 Long Branch Rd.

Dahlonega, GA 30533

706-867-7534

fax 706-867-7534

Callaway, Stacey G217

Coffel, David H232

Davis, Walter C22

Denmon, Jamie G198

Oakley, Paula B89

Crann, Mike F164

Jackson, Danny B80

Kerns, Shelly D127

Reneau, M. David B90

Welch, Charlie J283

Edwards, Dana D113

Byers, Aaron B73

Woron, Carla A39

Farmer, Barbara J. R0028V

Irby, Elizabeth D102

Sale date: November 3, at 10:00 a.m.

(10/24, 10/31)

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Application for Beer/Wine/distilled spirits License

Sheldon G. Best has applied with the Dahlonega City Council for a Beer/Wine/Distilled Spirits License for Aramark Educational Services, LLC dba/North Georgia College and State University located at 82 College Circle, Dahlonega, Georgia 30597.

(10/24, 10/31)

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NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Tommy Fouts, deceased, late of said county and state, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to said Estate are required to make immediate payment to us.

This 17th day of October, 2012.

Patricia L. Fouts, Executor/Administrator

286 Anderson Drive

Dahlonega, Georgia 30533

(10/24, 10/31, 11/7, 11/14)

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NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Aldine Woodard, deceased, late of Lumpkin County, Georgia, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to said Estate are required to make immediate payment to me.

This 18th day of October, 2012.

Norma Milner Woodard, as Executrix of the Estate of Aldine Woodard, deceased

44 Woodard Lane

Cleveland, GA 30528

(10/24, 10/31, 11/7, 11/14)

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Georgia, Lumpkin County

NOTICE TO

DEBTORS AND CREDITORS

All creditors of the Estate of Marvin Neal Anderson, deceased, of Lumpkin County, Georgia, are hereby notified to render an account of their demands to the undersigned according to law, and all persons indebted to said Estate are required to make immediate payment to the undersigned.

Patricia Martin Anderson, as Executrix of the Estate of Marvin Neal Anderson, Deceased

c/o James M. Coyle

P.O. Box 3280

Gainesville, Georgia 30503

(10/24, 10/31, 11/7, 11/14)

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Trade Name Registration

Georgia, Lumpkin County

Notice is hereby given that a trade name registration statement has been filed in this office, verified by affidavit of Barbara C. Cocherell, which affidavit states that she is the owner of a business of Placing LED (Light Emitting Diodes) pads on the body to balance the clients system, operating under the trade name of Dahlonega Wellness and Light, now being carried on at 835 Sleepy Hollow Road, Dahlonega, GA 30533.

Witness my official signature and seal of the Superior Court this 19th day of October, 2012.

Rita Harkins

Clerk of Superior Court

(10/24, 10/31)

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IN THE PROBATE COURT OF

LUMPKIN COUNTY

STATE OF GEORGIA

IN RE: JOHN ALSTON, DECEASED

ESTATE NO. A-10

NOTICE OF PUBLICATION

To: The heirs of Ausburn Alston, unknown heirs at Law, and any heir whose current address is unknown

BE NOTIFIED: John Roger Palmour, in his capacity of County Administrator, has been appointed as successor administrator of the estate of John Alston, deceased. In accordance with OCGA § 53-2-51 et seq., the administrator has filed a Petition seeking to distribute the unclaimed assets of the estate to the Lumpkin County Board of Education to become part of the educational fund. All interested parties are hereby notified to show cause why said Petition should not be granted. All objections to said Petition must be in writing, setting forth the grounds of any such objection, and must be filed with the Court on or before November 26, 2012. All pleadings/objections must be signed before a Notary Public or before a Probate Court Clerk. If any objections are filed, a hearing will be scheduled at a later date. If no objections are filed, the Petition may be granted without a hearing.

Michael A. Chastain

PROBATE JUDGE

By: Shelley Wilson

PROBATE CLERK

325 Riley Road, Room 122

Dahlonega, Georgia 30533

706-864-3847

(10/24, 10/31, 11/7, 11/14)

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IN THE PROBATE COURT OF

LUMPKIN COUNTY

STATE OF GEORGIA

IN RE: MRS. J.R. MCDONALD, DECEASED

ESTATE NO. MC-6

NOTICE OF PUBLICATION

To: The heirs of William E McDonald, the heirs of Robert Lee McDonald, unknown heirs at Law, and any heir whose current address is unknown

BE NOTIFIED: John Roger Palmour, in his capacity of County Administrator, has been appointed as successor administrator of the estate of Mrs. J. R. McDonald, deceased. In accordance with OCGA § 53-2-51 et seq., the administrator has filed a Petition seeking to distribute the unclaimed assets of the estate to the Lumpkin County Board of Education to become part of the educational fund. All interested parties are hereby notified to show cause why said Petition should not be granted. All objections to said Petition must be in writing, setting forth the grounds of any such objection, and must be filed with the Court on or before November 26, 2012. All pleadings/objections must be signed before a Notary Public or before a Probate Court Clerk. If any objections are filed, a hearing will be scheduled at a later date. If no objections are filed, the Petition may be granted without a hearing.

Michael A. Chastain

PROBATE JUDGE

By: Shelley Wilson

PROBATE CLERK

325 Riley Road, Room 122

Dahlonega, Georgia 30533

706-864-3847

(10/24, 10/31, 11/7, 11/14)

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IN THE PROBATE COURT OF

LUMPKIN COUNTY

STATE OF GEORGIA

IN RE: JENNIE L. SEITZ, DECEASED

ESTATE NO. A-10

NOTICE OF PUBLICATION

To: The heirs of Robert McDonald, unknown heirs at Law, and any heir whose current address is unknown

BE NOTIFIED: John Roger Palmour, in his capacity of County Administrator, has been appointed as successor administrator of the estate of Jennie L. Seitz, deceased. In accordance with OCGA § 53-2-51 et seq., the administrator has filed a Petition seeking to distribute the unclaimed assets of the estate to the Lumpkin County Board of Education to become part of the educational fund. All interested parties are hereby notified to show cause why said Petition should not be granted. All objections to said Petition must be in writing, setting forth the grounds of any such objection, and must be filed with the Court on or before November 26, 2012. All pleadings/objections must be signed before a Notary Public or before a Probate Court Clerk. If any objections are filed, a hearing will be scheduled at a later date. If no objections are filed, the Petition may be granted without a hearing.

Michael A. Chastain

PROBATE JUDGE

By: Shelley Wilson

PROBATE CLERK

325 Riley Road, Room 122

Dahlonega, Georgia 30533

706-864-3847

(10/24, 10/31, 11/7, 11/14)

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Notice of Sale under Power

LUMPKIN COUNTY

Pursuant to the Power of Sale contained in a Security Deed given by Thomas Johnson and Phyllis Johnson to Mortgage Electronic Registration Systems, Inc., as nominee for American Mortgage Network, Inc., A Delaware Corporation dated 4/15/2008 and recorded in Deed Book 1091 Page 365, Lumpkin County, Georgia records; as last transferred to Wells Fargo Bank, NA, conveying the after-described property to secure a Note in the original principal amount of $ 168,490.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in November, 2012 (November 6, 2012), the following described property:

All that tract or parcel of land lying and being in Land Lot 99, lst District, Lumpkin County, Georgia, containing 1.02 acres, and being shown as Tract “A” on a plat of survey for Jerry Dean Ayers, dated October 8, 1997 by Frederick F. Kaufman, Georgia Registered Land Surveyor #1774, and being more particularly described as follows:

To find the True Point of Beginning, begin at a point located at the common corner of Land Lots 109, 100, 99 and 110, thence South 01 degrees 08 minutes 31 seconds West a distance of 833.22 feet to a 1/2” rebar; thence South 01 degrees 08 minutes 31 seconds West a distance of 200.62 feet to a 1/2” rebar located on the northerly side of the right of way of Norman Bell Road (80 foot right of way); thence South 68 degrees 06 minutes 28 seconds East a distance of 43.33 feet to a point; which point is the True Point of Beginning; from the True Point of Beginning thus established, proceed North 19 degrees 12 minutes 01 seconds West a distance of 59.03 feet to a point; thence North 01 degrees 08 minutes 31 seconds East a distance of 157.71 feet to a point; thence South 80 degrees 33 minutes 49 seconds East a distance of 229.79 feet to a 1/2” rebar; thence South 11 degrees 41 minutes 57 seconds West a distance of 218.77 feet to a point located on the northerly side of the 80 foot right of way of Norman Bell Road; thence North 80 degrees 21 minutes 45 seconds West a distance of 88.33 to a point; thence North 73 degrees 18 minutes 06 seconds West a distance of 82.44 feet to a point; which is the True Point of Beginning.

Also, conveyed herewith is an easement for ingress and egress to subject property from Norman Bell Road across Tract “B” which easement is more particularly shown on said plat of survey, a copy of which is attached hereto as Exhibit “B” and made a part hereof by reference.

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Wells Fargo Bank, NA is the current owner of the loan.

Said property is commonly known as 311 Norman Bell Road, Murryville, Georgia 30564 together with all fixtures and personal property attached to and constituting a part of said property, if any. To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): Thomas Johnson and Phyllis Johnson or tenant or tenants.

Wells Fargo Bank, NA is the entity or individual designated, who shall have full authority to negotiate, amend and modify all terms of the mortgage pursuant to established guidelines.

Wells Fargo Bank, NA

Loss Mitigation

3476 Stateview Boulevard

Fort Mill, SC 29715

1-800-662-5014

Note, however, that such entity or individual is not required by law to negotiate, amend or modify the terms of the loan.

Said property will be sold subject to: (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) the right of redemption of any taxing authority, (c) any matters which might be disclosed by an accurate survey and inspection of the property, and (d) any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

Said property will be sold subject to: (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) unpaid water or sewage bills that constitute a lien against the property whether due and payable or not yet due and payable and which may not be of record, (c) the right of redemption of any taxing authority, (d) any matters which might be disclosed by an accurate survey and inspection of the property, and (e) any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the Security Deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and non-judicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided immediately above.

Wells Fargo Bank, NA as agent and Attorney in Fact for Thomas Johnson and Phyllis Johnson

THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 1000-667488934

(9/26, 10.3, 10/10, 10/17, 10/24,10/31)

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Notice of Sale under Power

LUMPKIN COUNTY

STATE OF GEORGIA

Under and by virtue of the Power of Sale contained in a Security Deed given by Nicky B. Anderson and Kathy S. Anderson to CitiFinancial Services, Inc., dated January 24, 2002, recorded on February 1, 2002 in Deed Book T28, Page 168, Lumpkin County, Georgia Records, said Security Deed having been last sold, assigned, transferred and conveyed to CitiFinancial Services, Inc., the secured creditor, by Assignment conveying the after-described property to secure a Note in the original principal amount of One Hundred Twenty Thousand Nine Hundred Twenty-Two and 74/100 DOLLARS ($120,922.74), with interest thereon as set forth therein, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on November 6, 2012 during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit:

All that tract of land lying and being in Land Lot 286 of the 15th District, 1st Section, Lumpkin County, Georgia and being more particularly described as follows:

Beginning at the southeast corner (corner being apparent and agreed on by Grizzle and Anderson) of Land Lot 286 and run thence along land of Dennis J. Grizzle, said line being the southerly line of Land lot 286, N 83-58-53 W, 733.50 feet to a point; run thence an agreed line between and agreed on by George Cain and Anderson, N 07-46-21 E 663.95 feet to a point in the center of a graded drive at lands of Seabolt; run thence along center of said graded drive and land of seabolt, S 44-43-46 E, 171.67 feet to a point; S 45-27-28 E 104.34 feet to a point; thence leaving said drive and continuing along seabolt land, N 66-39-26 E, 236.13 feet to a point, N 88-46-41 E 277.59 feet to a point on the easterly line of land lot 286, run thence along said land lot line and land of Stancil S 04-27-36 W, 641.03 feet to the southeast corner of Land lot 286 the point of beginning.

Said property is known as 648 Marlie Seabolt Road, Dahlonega, GA 30533, together with all fixtures and personal property attached to and constituting a party of said property, if any.

Said property will be sold as the property of Nicky B. Anderson and Kathy S. Anderson, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Nicky B. Anderson and Kathy S. Anderson or a tenant or tenants. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and non-judicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation of the audit of the status of the loan as provided immediately above.

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including, without limitation, attorneys’ fees. Notice has been given of intention to collect attorneys’ fees and other charges in accordance with the terms of the Note secured by said Deed. The balance, if any, will be distributed as provided by law.

Pursuant to O.C.G.A. 44-14-162.2, the name, address and telephone number of the individual or entity who shall have the full authority to negotiate, amend, or modify all terms of the above-described mortgage on behalf of the secured creditor, CitiFinancial Services, Inc., is as follows: CitiFinancial North America, Attention: Foreclosure Department, 1111 Northpoint, Suite 100 Bldg 4, Coppell, TX 75019, 888-491-8970. The foregoing notwithstanding, nothing in O.G.C.A. 44-14-162.2 shall require the secured creditor to negotiate, amend or modify the terms of the mortgage instrument.

CitiFinancial Services, Inc.

as Attorney in Fact for

Nicky B. Anderson and Kathy S. Anderson

Morris|Hardwick|Schneider, LLC

1301 Hightower Trail, Suite 305

Sandy Springs, Georgia 30350

http://foreclosure.closingsource.net

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(10/10, 10/17, 10/24, 10/31)

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Notice of Sale under Power

State of Georgia

LUMPKIN COUNTY

Pursuant to a power of sale contained in a certain security deed executed by Paul A. Andreasen and Theresa D. Andreasen, hereinafter referred to as Grantor, to MLA, Inc. recorded in Deed Book B14, beginning at page 322, of the deed records of the Clerk of the Superior Court of the aforesaid state and county, and by virtue of a default in the payment of the debt secured by said security deed, the undersigned attorney-in-fact for the aforesaid Grantor (which attorney-in-fact is the present holder of said security deed and note secured thereby) will sell before the door of the courthouse in said county within the legal hours of sale, for cash, to the highest bidder on the first Tuesday in November 2012, the property which, as of the time of the execution of said security deed, was described as set forth in the attached Exhibit “A”. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, and all other matters of record superior to the said security deed. MidFirst Bank, through its division Midland Mortgage as loan servicer is the entity with full authority to negotiate, amend and modify the terms of the Note and Security Deed. MidFirst Bank, through its division Midland Mortgage’s address is: 999 Northwest Grand Boulevard, Oklahoma City, Oklahoma 73118. MidFirst Bank, through its division Midland Mortgage may be contacted by telephone at 1-800-552-3000. To the best of the undersigned’s knowledge and belief, the party in possession of the property is believed to be Theresa D. Andreasen.

MidFirst Bank,

As Transferee, Assignee, and Secured Creditor

As attorney-in-fact for the aforesaid Grantor

Raymond S. Martin, P.C.

Attorney at Law

990 Hammond Drive

Suite 800

One Lakeside Commons

Atlanta, Georgia 30328

(770) 392-0041

THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT

AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 1012 of the 11th District, 1st Section of Lumpkin county, Georgia, consisting of 2.183 acres, more or less, together with all improvements located thereon to include the 1980 70x14 Western Mobile Home, Manufacturer’s Id No. A280466ALS14598, and being more particularly set out on a plat of survey dated August 30, 1994, revised September 13, 1994, prepared for Paul A. and Theresa D. Andreasen by Michael Stewart Kelley, Georgia Registered Land Surveyor. This plat is recorded in Plat Book 27, Page 128, Lumpkin County Records, and is incorporated herein by reference for a more detailed description.

This property is conveyed subject to all easements for roads and utilities in use or of record including, but not limited to, an easement in favor of Georgia Power Company recorded in Deed Book Y-1, Pages 260-261, Lumpkin County Records, an easement in favor of Georgia Power Company recorded in Deed Book Y-1, Page 348, Lumpkin County Records, an easement in favor of Amicalola EMC recorded in Deed Book S-4, Page 282, Lumpkin County Records, and that electrical power line easement shown on the plat of survey providing electrical service to the house.

(10/10, 10/17, 10/24, 10/31)

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Notice of Sale under Power

LUMPKIN COUNTY, GEORGIA

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Under and by virtue of the Power of Sale contained in a Security Deed given by Darrell Arrowood and Betty Arrowood to Reliable Mortgage, Inc., dated October 15, 2007, recorded in Deed Book 1073, Page 6, Lumpkin County, Georgia Records, as last transferred to JPMorgan Chase Bank, N. A. by assignment recorded in Deed Book 1217, Page 596, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED SEVEN THOUSAND AND 0/100 DOLLARS ($107,000.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in November, 2012, the following described property:

All that tract or parcel of land lying and being in Land Lot 76, 11th Land District, Lumpkin County, Georgia, and being fully described by a plat prepared by Chris M. Patton, Georgia Registered Land Surveyor, dated March 26, 2006, and per said plat, the property contains 0.93 acres, more or less, and being more particularly described as follows: Beginning at a point at the intersection of the centerline of State Route 115 and Meeks Road thence north 48 degrees 27 minutes 24 seconds west 37.97 feet to a point, said point being the point of beginning; thence along the right of way of Meeks Road (which right of way is a 60 foot right of way) south 79 degrees 20 minutes 28 seconds west 26.22 feet to a point; thence south 76 degrees 52 minutes 35 seconds west 41.51 feet to a point; thence south 66 degrees 19 minutes 39 seconds west 71.07 feet to a point; thence south 57 degrees 12 minutes 16 seconds west 58.66 feet to a point; thence south 66 degrees 32 minutes 12 seconds west 17.30 feet to a 1/2 inch rebar pin set; thence along property now or formerly of Delores Cellerman run north 14 degrees 52 minutes 36 seconds west 227.87 feet to a 1/2 inch rebar pin set; thence along property now or formerly of Dwain Rainey run north 86 degrees 24 minutes 40 seconds east 235.82 feet to a 1/2 inch rebar pin set on the right-of-way of State Route 115 (which right of way is a 50 foot right of way); thence south 07 degrees 16 minutes 39 seconds east 154.77 feet along the right of way of State Route 115 to the point of beginning.

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). JPMorgan Chase Bank, National Association holds the Note and Security Deed to the above-referenced property and services the above-referenced loan on behalf of the current owner of the loan: Federal National Mortgage Association (“Fannie Mae”). “JPMorgan Chase Bank, National Association can be contacted at 800-446-8939 or by writing to 3415 Vision Drive, Columbus, OH 43219, to discuss possible alternatives to foreclosure, and has the authority to negotiate, amend or modify the terms of the loan. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

To the best knowledge and belief of the undersigned, the party in possession of the property is Darrell Arrowood and Betty Arrowood or a tenant or tenants and said property is more commonly known as 3056 Old Dahlonega Hwy, Dahlonega, Georgia 30533. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. JPMorgan Chase Bank, National Association as Attorney in Fact for Darrell Arrowood and Betty Arrowood Johnson & Freedman, LLC

1587 Northeast Expressway

Atlanta, Georgia 30329

(770) 234-9181 www.jflegal.com

MSP/ 11/6/12 Our file no. 119011-FT20

(10/10, 10/17, 10/24, 10/31)

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Notice of Sale under Power

LUMPKIN COUNTY

Under and by virtue of the power of sale contained in the Deed to Secure Debt from STEVE A. BARRETT and HEATHER R. BARRETT to CHESTATEE STATE BANK, dated June 2, 2008, filed and recorded on June 23, 2008 in Deed Book 1099, Page 136, Lumpkin County, Georgia Records; last modified by agreement recorded in Deed Book 1176, Page 364, Lumpkin County Records; and transferred and assigned by Master Assignment dated December 17, 2010 from the Federal Deposit Insurance Corporation (“FDIC”), as Receiver of Chestatee State Bank, to Bank of the Ozarks, recorded in Deed Book 1181, Page 305, Lumpkin County, Georgia Records; said Deed to Secure Debt, as modified and assigned, given to secure, among other things, a note from STEVE A. BARRETT and HEATHER R. BARRETT in the principal amount of Two Hundred and Thirty-Eight Thousand, Eight Hundred and Ninety-One and 50/100 Dollars ($238,891.50), as such note may have been renewed or modified, the property described in said Deed to Secure Debt will be sold by Bank of the Ozarks, as successor in interest to and assignee of the FDIC, as Receiver of Chestatee State Bank, at public outcry to the highest bidder for cash before the Courthouse door at Lumpkin County, Georgia, within the legal hours of sale on Tuesday, November 6, 2012, which property is more particularly described as follows:

All that tract or parcel of land lying and being in Land Lot 371, 5th District, 1st Section, Lumpkin County, Georgia, and being fully described by a plat prepared by Mark E. Chastain, Georgia Registered Land Surveyor, dated October 29, 2004; and as per said plat, the property contains 3.37 acres, more or less, the subject plat being of record in Plat Cabinet 1, Slide 149, Plat 171, Lumpkin County Records. Said plat is hereby incorporated by reference.

This conveyance is made subject to easements of record for public roads and utilities now in use.

This conveyance is made subject to any easements of record or easements located on the property above described.

The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given).

Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Deed to Secure Debt first set out above.

To the best knowledge and belief of the undersigned, the party in possession of the property is STEVE A. BARRETT and HEATHER R. BARRETT, or a tenant or tenants.

BANK OF THE OZARKS, as successor in interest to and assignee of the FDIC, as Receiver of Chestatee State Bank, as attorney in fact for STEVE A. BARRETT and HEATHER R. BARRETT

Robert A. Weber, Jr.

The Weber Firm, LLC

P.O. Box 74

Gainesville, Georgia 30503

(770)287-8886

This law firm is attempting to collect a debt. Any information obtained will be used for that purpose.

(10/10, 10/17, 10/24, 10/31)

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Notice of Sale under Power

LUMPKIN COUNTY, Georgia

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Jeffery Scott Bearden to Mortgage Electronic Registration Systems, Inc. as nominee for Countrywide Home Loans, Inc., its successors and assigns dated September 8, 2006 in the amount of $128,780.00, and recorded in Deed Book 1008, Page 419, Lumpkin County, Georgia Records; as last transferred to Bank of America, N.A., Successor by Merger to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing LP by assignment; the undersigned, Bank of America, N.A., Successor by Merger to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing LP pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in November, 2012 , during the legal hours of sale, at the Courthouse door in Lumpkin County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit:

All that certain parcel of land situated in Land Lots 832 and 861 of the 5th District, 1st Section County of Lumpkin, State of Georgia, bounded and described as follows:

Beginning at a point on the Southwest boundary line of County Road 225, said Right-of-Way being a 30 foot Right-of-Way, 485.02 feet as measured Northwesterly along the Southwest boundary of County Road 225 from said Right-of-Ways intersection with the East line of Land Lot 661, thence running along the Southwesterly boundary line of County Road 225 bearing North 52 Degrees 30 Minutes 13 Seconds East, a distance of 25.14 feet to an iron pin, thence running along said boundary line North 44 Degrees 36 Minutes 15 Seconds West, a distance of 183.04 feet to an iron pin set along the Southwest boundary line of County Road 225, thence leaving said Right-of-Way and traveling South 44 Degrees 43 Minutes 44 Seconds West a distance of 105.00 feet to an iron pin, thence running South 2 degrees 6 Minutes 25 Seconds East a distance of 150.00 feet to an iron pin found, thence running South 44 Degrees 36 Minutes 15 Seconds East a distance of 105.00 feet to an iron pin found, thence running North 42 Degrees 58 Minutes 52 Seconds East a distance of 210.00 feet to a point located on the Southwest boundary line of County Road 225, said point being the Point of Beginning, as per plat of survey prepared by Perry E. McClung, Georgia Registered Land Surveyor No. 1641, for Glen P. Foster and Rachel G. Foster dated 3-10-97.

Tax/Parcel ID: 004 047

which has the property address of 39 Seven Oaks Dr, Dahlonega, Georgia. together with all fixtures and other personal property conveyed by said deed.

The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

Notice has been given of intention to collect attorneys’ fees in accordance with the terms of the note secured by said deed. Notice has been also given, in writing and by certified mail, return receipt requested, to the borrower, of the name, address, and telephone number of the individual or entity who shall have full authority to negotiate, amend, and modify all terms of the Security Deed and the note thereby secured in accordance with O.C.G.A. Section 44-14-162.2(a).

Said property will be sold as the property of Jeffery Scott Bearden and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed.

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(10/10, 10/17, 10/24, 10/31)

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Notice of Sale under Power

LUMPKIN COUNTY, GEORGIA

Because of the default in the payment of a note executed by Frank H. Berryhill and Allene V. Maxcy secured by a deed to secure debt executed by Frank H. Berryhill and Allene V. Maxcy to Mariah Construction, LLP., dated December 10, 2001, and recorded in the Clerk’s Office of Lumpkin County, Georgia, in Deed Book N28, pages 199-200, the undersigned has declared the full unpaid amount of the indebtedness secured by said deed due and payable, and acting under the power of sale contained in said deed, for the purpose of paying said indebtedness, will on the first Tuesday in November, 2012 during the legal hours of sale at the Courthouse in Lumpkin County, Georgia, sell at public outcry to the highest bidder for cash, the land described in said deed, to wit:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 117, OF THE 11TH DISTRICT, ORIGINALLY HALL NOW LUMPKIN COUNTY, GEORGIA, CONSISTING OF 1.010 ACRES, MORE OR LESS, BEING MORE FULLY DESCRIBED AND DELINEATED AS LOT #127 ON A PLAT OF SURVEY OF THE WELLINGTON SUBDIVISION, PHASE FOUR, PREPARED BY DONALD REX JONES, REGISTERED GEORGIA LAND SURVEYOR #2396, DATED APRIL 25, 1997, AND RECORDED IN PLAT CABINET 1, SLIDE 5, PLAT 89, LUMPKIN COUNTY RECORDS, SAID PLAT IS INCORPORATED REFERENCE HEREIN.

THIS CONVEYANCE IS MADE SUBJECT TO THAT CERTAIN DECLARATION OF PROTECTIVE COVENANTS FOR THE WELLINGTON SUBDIVISION, WHICH IS RECORDED IN DEED BOOK E18, PAGES 126-128, LUMPKIN COUNTY RECORDS.

To the best knowledge and belief of the undersigned, the physical address of the above described property is 60 LION COURT, DAHLONEGA, GEORGIA 30533

Notice has been given of intention to collect attorney’s fees in accordance with the terms of the note secured by said deed to secure debt.

This sale will be held subject to any unpaid taxes or other assessments which may be liens against said property.

Said property will be sold as the property of Frank H. Berryhill and Allene V. Maxcy, and the proceeds of said sale shall be applied first to the payment in full of said indebtedness, next, to the payment of all expenses connected with said sale, and the remainder, if any, shall be paid as provided in said deed to secure debt.

Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by WHITNEY BUCHMAN AND MARY CLAYTON to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (“MERS”) AS NOMINEE FOR HERITAGE LENDING & INVESTMENTS, LLC , dated 12/27/2007, and Recorded on 01/03/2008 as Book No. 1077 and Page No. 518-535, LUMPKIN County, Georgia records, as last assigned to BANK OF AMERICA, N.A. (the Secured Creditor), by assignment, conveying the after-described property to secure a Note of even date in the original principal amount of $86,541.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash at the LUMPKIN County Courthouse within the legal hours of sale on the first Tuesday in November, 2012, the following described property:

ALL THAT TRACT OR PARCEL OF LAND, TOGETHER WITH IMPROVEMENTS THEREON, LYING AND BEING IN LAND LOTS 46 AND 51 OF THE 11TH DISTRICT, ORIGINALLY HALL COUNTY, NOW LUMPKIN COUNTY, GEORGIA, BEING LOT 26 OF SHERWOOD FOREST SUBDIVISION, PHASE ONE, CONTAINING 2.099 ACRES, AS SHOWN ON A PLAT OF SURVEY PREPARED BY DONALD REX JONES, REGISTERED GEORGIA LAND SURVEYOR #2396, DATED JUNE 22, 2000 AND RECORDED IN CABINET 1, SLIDE 50, PLAT 188, LUMPKIN COUNTY RECORDS, SAID PLAT BEING INCORPORATED HEREIN BY REFERENCE FOR A MORE COMPLETE DESCRIPTION OF THE PROPERTY.

THIS CONVEYANCE IS MADE SUBJECT TO THAT CERTAIN DECLARATION OF PROTECTIVE COVENANTS FOR SHERWOOD FOREST SUBDIVISION, RECORDED IN CABINET 1, SLIDE 50, PLAT 187-B AND 188, LUMPKIN COUNTY RECORDS.

THE WATER SYSTEM IN THIS SUBDIVISION HAS BEEN TURNED OVER AND DEEDED TO LUMPKIN COUNTY IN DEED BOOK U25, PAGES 315-316, LUMPKIN COUNTY RECORDS.

TOGETHER WITH A 2001 PALM HARBOR PS52R2, 28 X 52 MANUFACTURED HOME, SERIAL NUMBER PH234359AB WHICH IS ATTACHED TO AND MADE A PART OF THE REAL PROPERTY.

SUBJECT TO ALL COVENANTS, CONDITIONS, RESTRICITIONS, EASEMENTS, RESERVATIONS AND RIGHTS OF WAY OF RECORD.

The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. Because the debt remains in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). BANK OF AMERICA, N.A. holds the duly endorsed Note and is the current assignee of the Security Deed to the property. BANK OF AMERICA, N.A., AS SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP, acting on behalf of and, as necessary, in consultation with BANK OF AMERICA, N.A. (the current investor on the loan), is the entity with the full authority to negotiate, amend, and modify all terms of the loan. Pursuant to O.C.G.A. § 44-14-162.2, BANK OF AMERICA, N.A., AS SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP may be contacted at: BANK OF AMERICA, N.A., AS SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP, PTX-C-32, 7105 CORPORATE, PLANO, TX 75024, 800-669-6650. Please note that, pursuant to O.C.G.A. § 44-14-162.2, the secured creditor is not required to amend or modify the terms of the loan.

To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 76 ROBIN HOOD DRIVE, MURRAYVILLE, GEORGIA 30564 is/are: WHITNEY BUCHMAN AND MARY CLAYTON or tenant/tenants. Said property will be sold subject to (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) any matters which might be disclosed by an accurate survey and inspection of the property, and (c) all matters of record superior to the Deed to Secure Debt first set out above, including, but not limited to, assessments, liens, encumbrances, zoning ordinances, easements, restrictions, covenants, etc. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the security deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and nonjudicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided in the preceding paragraph.

BANK OF AMERICA, N.A.

as Attorney in Fact for

WHITNEY BUCHMAN AND MARY CLAYTON.

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

20120031405530

BARRETT DAFFIN FRAPPIER LEVINE & BLOCK, LLP

15000 Surveyor Boulevard

Addison, Texas 75001

Telephone: (972) 341-5398.

(10/10, 10/17, 10/24, 10/31)

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Notice of Sale under Power

LUMPKIN COUNTY, GEORGIA

By virtue of a Power of Sale contained in that certain Security Deed from DONALD CHAPMAN to COUNTRYWIDE BANK FSB, dated August 15, 2007, recorded August 24, 2007, in Deed Book 1060, Page 361-375, Lumpkin County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of One Hundred Twenty-Five Thousand One Hundred and 00/100 dollars ($125,100.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to Bank of America, N.A. successor by merger to Countrywide Bank, N.A., formerly known as Countrywide Bank, FSB, secured creditor, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in November, 2012, all property described in said Security Deed including but not limited to the following described property:

ALL THAT TRACT OR PARCEL OFLAND LYING AND BEING IN LAND LOTS 256 AND 257 OF THE 12TH

DISTRICT, 1ST SECTION OF LUMPKIN COUNTY, GEORGIA, AND BEING KNOWN AND DESIGNATED AS THE 1.356 ACRE TRACT ON THE PLAT OF SURVEY FOR WILLIAM C. HAYES AND LOIS J. HAYES, BY PRECISION LAND SERVICES, MICHAEL STEWART KELLEY, R.L.S. NO. 2313, OF RECORD IN PLAT BOOK 29, PAGE 24, LUMPKIN COUNTY, GEORGIA RECORDS, WHICH IS INCORPORATED BY REFERENCE HEREIN FOR A MORE FULL AND COMPLETE DESCRIPTION. THIS CONVEYANCE IS MADE ALONG WITH AND SUBJECT TO THOSE EASEMENT RIGHTS SET OUT MORE FULLY IN A GRANT OF EASEMENT, ROAD MAINTENANCE AND JOINT WELL AGREEMENT SET OUT IN DEED BOOK L-15, PAGES 280-281, LUMPKIN COUNTY, GEORGIA RECORDS.

THIS CONVEYANCE IS ALSO SUBJECT TO THE DECLARATION OF PROTECTIVE AND RESTRICTIVE COVENANTS AND ROAD MAINTENANCE AGREEMENT FOR MOONEY CREEK SUBDIVISION SET OUT IN DEED BOOK W-8, PAGES 239-242, AND TO EARLIER RESTRICTIVE COVENANTS SET OUT IN DEED BOOK M-8, PAGES 102-104, LUMPKIN COUNTY, GEORGIA RECORDS.

Said legal description being controlling, however the property is more commonly known as 32 MOONSHINE RDG, DAHLONEGA, GA 30533-0000.

The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed and Note, including but not limited to the nonpayment of the indebtedness as and when due. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys` fees (notice to collect same having been given) and all other payments provided for under the terms of the Security Deed and Note.

Said property will be sold on an “as-is” basis without any representation, warranty or recourse against the above-named creditor or the undersigned. The sale will also be subject to the following items which may affect the title: any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable); the right of redemption of any taxing authority; matters which would be disclosed by an accurate survey or by an inspection of the property; all zoning ordinances; assessments; liens; encumbrances; restrictions; covenants, and any other matters of record superior to said Security Deed.

To the best of the knowledge and belief of the undersigned, the owner and party in possession of the property is DONALD CHAPMAN, or tenants(s).

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed.

Bank of America, N.A., holds the duly endorsed Note and is the current assignee of the Security Deed to your property. Bank of America, N.A., acting on behalf of and, as necessary, in consultation with Federal National Mortgage Association (the current investor on your loan), is the entity with the full authority to negotiate, amend, and modify all terms of your loan. Pursuant to O.C.G.A. § 44-14-162.2, you may contact Bank of America, N.A. at:

Bank of America, N.A.

Home Loan Assistance Dept

7105 Corporate Drive

Plano, TX 75024

1-800-669-6650

Please note that, pursuant to O.C.G.A. § 44-14-162.2, you are not entitled by law to an amendment or modification of the terms of your loan.

Because of a default in the payment of the indebtedness secured by a Security Deed executed by Adam Shane Clark and Ginger Wadsworth Clark to Washington Mutual Bank, FA dated September 9, 2003, and recorded in Deed Book K32, Page 219, Lumpkin County Records, said Security Deed having been last sold, assigned, transferred and conveyed to Wells Fargo Bank, NA by Assignment, securing a Note in the original principal amount of $120,000.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, November 6, 2012, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 107 OF THE 12TH DISTRICT, 1ST SECTION OF LUMPKIN COUNTY, GEORGIA, BEING LOT 4, AS PER PLAT OF SURVEY RECORDED IN PLAT BOOK 28, PAGE 193, LUMPKIN COUNTY, GEORGIA RECORDS, WHICH PLAT IS INCORPORATED HEREIN BY REFERENCE AND MADE A PART HEREOF BY REFERENCE.

Said property is known as 8397 Dawsonville Highway, Dawsonville, GA 30534, together with all fixtures and personal property attached to and constituting a part of said property, if any.

Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

The proceeds of said sale will be applied to the payment of said indebtedness and all expenses of said sale as provided in said Deed, and the balance, if any, will be distributed as provided by law.

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the secured creditor.

The property is or may be in the possession of Adam Shane Clark, successor in interest or tenant(s).

*THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

[FC-NOS]

(10/10, 10/17, 10/24, 10/31)

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Notice of Sale under Power

LUMPKIN COUNTY, GEORGIA

Under and by virtue of the power of sale contained in that certain Deed to Secure Debt from Matthew M. Cook and Erin W. Cook to Mortgage Electronic Registration Systems, Inc. in the original principal amount of $218,000.00 dated 06/14/2007, and recorded in Deed Book 1050, page 35, Lumpkin County records, said Security Deed being last transferred and assigned to CitiMortgage, Inc. in Deed Book 1219, Page 645, the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday of November, 2012 by CitiMortgage, Inc., as Attorney-in-Fact for Matthew M. Cook and Erin W. Cook the following described property:

The land referred to in this exhibit is located in the County of Lumpkin and the State of Georgia in Deed Book B33 at Page 17, and described as follows:

All that tract or parcel of land lying and being in Land Lot 98, 4th District, 1st Section, Lumpkin County, Georgia, and being fully described by a plat prepared by Randall E. Nichols, Georgia Registered Land Surveyor, dated January 14, 2004, and as per said plat the property contains 3.025 acres, more or less, the subject plat being of record in Plat Cabinet One, Slide 97, Plat 121A, Lumpkin County Records. Said plat is incorporated herein by reference.

Also conveyed herein is that certain easement for ingress, egress and the installation of utilities over the existing road which connects property of the property of the first part with Town Creek Road.

For Informational Purposes Only: The APN is shown by the county assessor as 104 69; source of title is Book U35, page 550 (recorded 05/25/05).

Property known as: 386 Trails End, Dahlonega, GA 30533

The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of the indebtedness secured thereby, this sale will be made for the purposes of paying the same and all expenses of sale, including attorney’s fees, (notice having been given as provided by law).

The property will be sold as the property of The Aforesaid Grantors subject to the following:

(1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) the outstanding ad valorem taxes and assessments, if any; (5) unpaid water and sewage bills, that constitute liens against the property, whether due and payable or not yet due and payable; and (6) matters of record superior to the security deed first set out above.

CitiMortgage, Inc. holds the Note and referenced Security Deed and services the loan on behalf of Federal National Mortgage Association, the current owner of your loan. Pursuant to O.C.G.A Section 44-14-162.2 the name of the person or entity who has the full authority to negotiate, amend, or modify the terms of the aforementioned indebtedness is:

CitiMortgage, Inc.

1000 Technology Drive

O’Fallon, MO 63368

PHONE: 866-272-4749

Pursuant to O.C.G.A. Section 44-14-162.2, nothing contained in this Notice of Sale shall obligate any entity to negotiate, amend, or modify said indebtedness.

To the best of the undersigned’s knowledge and belief, the party in possession is Matthew M. Cook and Erin W. Cook.

This law firm is acting as a debt collector attempting to collect a debt, any information obtained will be used for that purpose.

Pendergast & Associates, P.C.

South Terraces, Suite 1000

115 Perimeter Center Place

Atlanta, GA 30346

Phone – (770) 392-0398

Toll Free – (866) 999-7088

www.penderlaw.com

Our File No. 12-07125

(10/10, 10/17, 10/24, 10/31)

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Notice of Sale under Power

County of Lumpkin, State of Georgia

Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by JANICE DAVIS to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (“MERS”), AS NOMINEE FOR TAYLOR, BEAN & WHITAKER MORTGAGE OCRP. , dated 04/03/2008, and Recorded on 04/07/2008 as Book No. 1088 and Page No. 739-750, LUMPKIN County, Georgia records, as last assigned to BANK OF AMERICA, N.A. (the Secured Creditor), by assignment, conveying the after-described property to secure a Note of even date in the original principal amount of $95,599.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash at the LUMPKIN County Courthouse within the legal hours of sale on the first Tuesday in November, 2012, the following described property:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 115, 1ST DISTRICT, 1ST SECTION, LUMPKIN COUNTY, GEORGIA AND BEING FULLY DESCRIBED AS LOT 7, EAST LUMPKIN ACRES SUBDIVISION, BY A PLAT PREPARED BY MICHAEL L. SCUPIN, GEORGIA REGISTERED LAND SURVEYOR, DATED APRIL 30, 1984: AND AS PER SAID PLAT, THE PROPERTY CONTAINS 1.055 ACRES, MORE OR LESS, THE SUBJECT PLAT BEING OF RECORD IN PLAT BOOK 13, PAGE 30, LUMPKIN COUNTY RECORDS. SAID PLAT IS HEREBY INCOPORATED BY REFERENCE.

ALSO CONVEYED IS A 1/8 UNDIVIDED INTEREST IN 0.039 ACRES, AS SHOWN ON THE ABOVE REFERENCED PLAT AND BEING SET OUT AS THE EXISTING WELL LOT.

THE GRANTEE HEREIN RECOGNIZES THAT ANY AND ALL MEANS OF INGRESS AND EGRESS TO THE PROPERTY CONVEYED HEREBY WHICH IS PROVIDED BY THE GRANTORS HEREIN OF THEIR SUCCESSORS OR ASSIGNS ARE CONSIDERED BY THE PLANNING COMMISSION OF LUMPKIN COUNTY AND THE GOVERNING BODY OF LUMPKIN COUNTY TO BE PRIVATE WAYS NOT MAINTAINABLE BY SAID GOVERNING BODY; THEREFORE, THE GRANTEE HEREIN HEREBY AGRESS THAT HE/SHE WILL BE RESPONSIBLE FOR HIS/HER SHARE OF THE UP KEEP AND MAINTENANCE OF SAID PRIVATE WAYS, HOLDING COMPLETELY HARMLESS THE GOVERNING BODY OF LUMPKIN COUNTY.

THIS CONVEYANCE IS MADE SUBJECT TO DECLARATION OF PROTECTIVE AND RESTRICTIVE COVENANTS FOR EAST LUMPKIN ACRES DEVELOPMENT AS RECORDED IN DEED BOOK S4, PAGE 58-62, LUMPKIN COUNTY RECORDS.

THIS CONVEYANCE IS MADE SUBJECT TO EASEMENTS FOR PUBLIC ROADS AND UTILITIES NOW IN USE.

THIS CONVEYANCE IS MADE SUBJECT TO ANY EASEMENTS OF RECORDS OR EASEMENTS LOCATED ON THE PROPERTY ABOVE DESCRIBED.

ALSO CONVEYED HEREIN IS A 1986 DOUBLEWIDE MOBILE HOME WITH THE FOLLOWING MANUFACTURER’S ID NOS.: 4012WO187A AND 4012WO187B LOCATED ON THE ABOVE DESCRIBED PROPERTY.

The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. Because the debt remains in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). BANK OF AMERICA, N.A. holds the duly endorsed Note and is the current assignee of the Security Deed to the property. BANK OF AMERICA, N.A., AS SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP, acting on behalf of and, as necessary, in consultation with BANK OF AMERICA, N.A. (the current investor on the loan), is the entity with the full authority to negotiate, amend, and modify all terms of the loan. Pursuant to O.C.G.A. § 44-14-162.2, BANK OF AMERICA, N.A., AS SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP may be contacted at: BANK OF AMERICA, N.A., AS SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP, PTX-C-32, 7105 CORPORATE, PLANO, TX 75024, 800-669-6650. Please note that, pursuant to O.C.G.A. § 44-14-162.2, the secured creditor is not required to amend or modify the terms of the loan.

To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 62 BLAINE DRIVE, DAHLONEGA, GEORGIA 30533 is/are: JANICE DAVIS or tenant/tenants. Said property will be sold subject to (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) any matters which might be disclosed by an accurate survey and inspection of the property, and (c) all matters of record superior to the Deed to Secure Debt first set out above, including, but not limited to, assessments, liens, encumbrances, zoning ordinances, easements, restrictions, covenants, etc. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the security deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and nonjudicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided in the preceding paragraph.

BANK OF AMERICA, N.A.

as Attorney in Fact for

JANICE DAVIS.

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

20120031406077

BARRETT DAFFIN FRAPPIER LEVINE & BLOCK, LLP

15000 Surveyor Boulevard

Addison, Texas 75001

Telephone: (972) 341-5398.

(10/10, 10/17, 10/24, 10/31)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Under and by virtue of the Power of Sale contained in a Security Deed given by Michael Day to Mortgage Electronic Registration Systems, Inc., dated July 31, 2008, recorded in Deed Book 1104, Page 88, Lumpkin County, Georgia Records, as last transferred to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing, LP by assignment recorded in Deed Book 1161, Page 610, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED TWENTY-FOUR THOUSAND FIVE HUNDRED SEVENTY-ONE AND 0/100 DOLLARS ($124,571.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in November, 2012, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Bank of America, N.A., 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5100. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument.

To the best knowledge and belief of the undersigned, the party in possession of the property is Michael Day or a tenant or tenants and said property is more commonly known as 153 Mill Creek Spur, Dawsonville, Georgia 30534. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. This law firm is seeking solely to foreclose the creditor’s lien on real estate and this law firm will not be seeking a personal money judgment against you.

Bank of America, N.A., successor by merger to BAC Home Loans Servicing, LP formerly known as Countrywide Home Loans Servicing, LP

as Attorney in Fact for

Michael Day

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/rao1 11/6/12

Our file no. 5343610-FT11

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 29 of the 12th District, 1st Section of Lumpkin County, Georgia, as shown on plat of survey entitled “Survey for Walter Scott and Julia Kay Hook” by Jick A Page, RLS # 1894, dated 02/17/89 and recorded in Plat Book 20, Page 166, Lumpkin County, Georgia records. Said plat being incorporated herein by reference and made a part of this description. MR/rao1 11/6/12 Our file no. 5343610 - FT11

(10/10, 10/17, 10/24, 10/31)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Under and by virtue of the Power of Sale contained in a Security Deed given by Shawn Edwards and Stephanie Edwards to Mortgage Electronic Registration Systems, Inc., dated April 19, 2007, recorded in Deed Book 1038, Page 238, Lumpkin County, Georgia Records, as last transferred to BAC Home Loans Servicing, LP formerly known as Countrywide Home Loans Servicing LP by assignment recorded in Deed Book 1158, Page 376, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED SIXTY-FIVE THOUSAND FOUR HUNDRED EIGHTY-THREE AND 0/100 DOLLARS ($165,483.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in November, 2012, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given).

Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Bank of America, N.A., 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5100. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument.

To the best knowledge and belief of the undersigned, the party in possession of the property is Shawn Edwards and Stephanie Edwards or a tenant or tenants and said property is more commonly known as 165 Greenwood Park Way, Dawsonville, Georgia 30534-8452.

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

This law firm is seeking solely to foreclose the creditor’s lien on real estate and this law firm will not be seeking a personal money judgment against you.

Bank of America N.A. successor by merger to BAC Home Loans Servicing, LP formerly known as Countrywide Home Loans Servicing LP

as Attorney in Fact for

Shawn Edwards and Stephanie Edwards

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/mga 11/6/12

Our file no. 51085410-FT11

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 103 of the 12th District, 1st Section of Lumpkin County, Georgia, together with all improvements located thereon, and being more particularly set out as Lot 57 of the Greenwood Park Subdivision on a plat of survey prepared by John T. Gaston, Georgia Registered Land Surveyor. This plat is recorded in Plat Cabinet 1, Slide 86, Pages 107B-113, Lumpkin County Records, and is incorporated herein by reference for a more detailed description.

Also conveyed herewith is a perpetual, non-exclusive easement sixty feet in width running along and with Greenwood Parkway to State Route 9 as shown on the plat of survey.

MR/mga 11/6/12

Our file no. 51085410 - FT11

(10/10, 10/17, 10/24, 10/31)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

Under and by virtue of the Power of Sale contained in a Security Deed given by Tommy G. Evans to United Community Mortgage Services, Incorporation, dated November 15, 2004, recorded on November 29, 2004 in Deed Book 434, Page 108, Lumpkin County, Georgia Records, said Security Deed having been last sold, assigned, transferred and conveyed to Flagstar Bank, FSB, the secured creditor, by Assignment conveying the after-described property to secure a Note in the original principal amount of One Hundred Two Thousand One Hundred Nine and 00/100 DOLLARS ($102,109.00), with interest thereon as set forth therein, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on November 6, 2012 during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit:

All that tract of land located in Land Lot 73, 11th District, originally Hall, now Lumpkin County, Georgia consisting of 1.01 Acres, more or less, being more fully described and delineated as Lot 24, Phase J, Camelot, dated April 25, 1985, prepared by Michael L. Scupin, Georgia Registered Surveyor #1964, recorded in Plat Book 13, Page 95, Lumpkin County Georgia records, which is incorporated herein by reference.

Said property is known as 279 King Arthur Court, Dahlonega, GA 30533, together with all fixtures and personal property attached to and constituting a party of said property, if any.

Said property will be sold as the property of Tommy G. Evans, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Tommy G. Evans or a tenant or tenants. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and non-judicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation of the audit of the status of the loan as provided immediately above.

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including, without limitation, attorneys’ fees. Notice has been given of intention to collect attorneys’ fees and other charges in accordance with the terms of the Note secured by said Deed. The balance, if any, will be distributed as provided by law.

Pursuant to O.C.G.A. 44-14-162.2, the name, address and telephone number of the individual or entity who shall have the full authority to negotiate, amend, or modify all terms of the above-described mortgage on behalf of the secured creditor, Flagstar Bank, FSB, is as follows: Flagstar Bank, FSB, 5151 Corporate Drive, MS S-110-3, Troy, MI 48098, 800-945-7700. The foregoing notwithstanding, nothing in O.G.C.A. 44-14-162.2 shall require the secured creditor to negotiate, amend or modify the terms of the mortgage instrument.

Flagstar Bank, FSB

as Attorney in Fact for

Tommy G. Evans

Morris|Hardwick|Schneider, LLC

1301 Hightower Trail, Suite 305

Sandy Springs, Georgia 30350

http://foreclosure.closingsource.net

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(10/10, 10/17, 10/24, 10/31)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

By virtue of a Power of Sale contained in that certain Security Deed from CYNTHIA FILLIO to Mortgage Electronic Registration Systems, Inc. as nominee for Taylor, Bean & Whitaker Mortgage Corp, dated May 11, 2009, recorded May 28, 2009, in Deed Book 1133, Page 83-94, Lumpkin County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of Eighty-Six Thousand Four Hundred Eighty-Seven and 00/100 dollars ($86,487.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to BANK OF AMERICA, N.A., secured creditor, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in November, 2012, all property described in said Security Deed including but not limited to the following described property:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 931 OF THE 12TH DISTRICT, 1ST SECTION OF LUMPKIN COUNTY, GEORGIA RECORDS AND BEING LOT 40 OF CROWN MOUNTAIN ESTATES AS SET OUT ON A PLAT OF SURVEY PREPARED BY FARLEY-COLLINS AND ASSOCIATES, GEORGIA REGISTERED LAND SURVEYORS, DATED APRIL 18, 1973, REVISED MAY 8, 1973, RECORDED IN PLAT BOOK 3, PAGE 157, LUMPKIN COUNTY, GEORGIA RECORDS, WHICH PLAT IS INCORPORATED HEREIN BY REFERENCE FOR A MORE COMPLETE DESCRIPTION OF THE SUBJECT PROPERTY. THIS CONVEYANCE IS SUBJECT TO ANY AND ALL AGREEMENTS, EASEMENTS, RIGHTS OF WAY, PUBLIC UTILITIES, AND RESTRICTIVE COVENANTS NOW IN USE AND/OR OF RECORD. THIS CONVEYANCE IS MADE SUBJECT TO AND SUBORDINATE TO THE DECLARATION OF PROTECTIVE COVENANTS DATED JUNE 14, 1973, RECORDED IN DEED BOOK D3, PAGES 572-574, LUMPKIN COUNTY, GEORGIA RECORDS.

Said legal description being controlling, however the property is more commonly known as 2241 SILOAM CHURCH ROAD, DAHLONEGA, GA 30533-0000.

The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed and Note, including but not limited to the nonpayment of the indebtedness as and when due. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys` fees (notice to collect same having been given) and all other payments provided for under the terms of the Security Deed and Note.

Said property will be sold on an “as-is” basis without any representation, warranty or recourse against the above-named creditor or the undersigned. The sale will also be subject to the following items which may affect the title: any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable); the right of redemption of any taxing authority; matters which would be disclosed by an accurate survey or by an inspection of the property; all zoning ordinances; assessments; liens; encumbrances; restrictions; covenants, and any other matters of record superior to said Security Deed.

To the best of the knowledge and belief of the undersigned, the owner and party in possession of the property is CYNTHIA FILLIO, or tenants(s).

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed.

BANK OF AMERICA, N.A.

as Attorney in Fact for

CYNTHIA FILLIO

THE BELOW LAW FIRM MAY BE HELD TO BE ACTING AS A DEBT COLLECTOR, UNDER FEDERAL LAW. IF SO, ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Because of a default in the payment of the indebtedness secured by a Security Deed executed by Ronald J. Ford and Debra A. Ford to Mortgage Electronic Registration Systems, Inc. dated July 14, 2009, and recorded in Deed Book 1137, Page 360, Lumpkin County Records, said Security Deed having been last sold, assigned, transferred and conveyed to Wells Fargo Bank, NA by Assignment, securing a Note in the original principal amount of $375,250.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, November 6, 2012, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 1005 AND 1026, 12TH DISTRICT, 1ST SECTION, LUMPKIN COUNTY, GEORGIA AND BEING FULLY DESCRIBED BY A PLAT PREPARED BY FARLEY-COLLINS & ASSOCIATES, GEORGIA REGISTERED LAND SURVEYOR, DATED JUNE 30, 1986: AND AS PER SAID PLAT, THE PROPERTY CONTAINS 1.233 ACRES, MORE OR LESS, BEING MORE PARTICULARLY DESCRIBED AS LOT 47 OF SKY COUNTRY SUBDIVISION. THE SUBJECT PLAT BEING OF RECORD IN PLAT BOOK 13, PAGE 195, LUMPKIN COUNTY RECORDS. SAID PLAT IS HEREBY INCORPORATED BY REFERENCE.

THIS CONVEYANCE IS MADE SUBJECT TO THE RESTRICTIVE COVENANTS FOR SKY COUNTRY AS SET OUT IN DEED BOOK Z-5, PAGES 267-271, LUMPKIN COUNTY RECORDS.

Said property is known as 100 Cloudland Road N, Dahlonega, GA 30533, together with all fixtures and personal property attached to and constituting a part of said property, if any.

Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

The proceeds of said sale will be applied to the payment of said indebtedness and all expenses of said sale as provided in said Deed, and the balance, if any, will be distributed as provided by law.

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the secured creditor.

The property is or may be in the possession of Ronald J. Ford and Debra A. Ford, successor in interest or tenant(s).

*THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(10/10, 10/17, 10/24, 10/31)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Leon Foster and Rita Chastain Foster to Mortgage Electronic Registration Systems, Inc., as nominee for Lend America, its successors and assigns dated October 27, 2008 in the amount of $230,000.00, and recorded in Deed Book 1114, Page 570, Lumpkin County, Georgia Records; as last transferred to GMAC Mortgage, LLC by assignment; the undersigned, GMAC Mortgage, LLC pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in November, 2012 , during the legal hours of sale, at the Courthouse door in Lumpkin County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit:

All that tract or parcel of land lying and being in Land Lots 852 and 917 of the 5th District, 1st Section of Lumpkin County, Georgia, consisting of 12.08 acres, more or less, together with all improvements located thereon, and being more particularly set out on a plat of survey dated April 7, 2001, prepared for Rita C. Foster by Henry Grady Jarrard, Georgia Registered Land Surveyor. This plat is recorded in Slide Cabinet 1, Slide 59, Plat 177 Lumpkin County records, and is incorporated herein by reference for a more detailed description.

Tax ID #: 022 129

which has the property address of 1164 Mill Creek Road, Dahlonega, Georgia, together with all fixtures and other personal property conveyed by said deed.

The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

Notice has been given of intention to collect attorneys’ fees in accordance with the terms of the note secured by said deed. Notice has been also given, in writing and by certified mail, return receipt requested, to the borrower, of the name, address, and telephone number of the individual or entity who shall have full authority to negotiate, amend, and modify all terms of the Security Deed and the note thereby secured in accordance with O.C.G.A. Section 44-14-162.2(a).

Said property will be sold as the property of Leon Foster and Rita Chastain Foster and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed.

GMAC Mortgage, LLC

Attorney in Fact for

Leon Foster and Rita Chastain Foster

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Dahlonega Nugget

File No. 11-16057 /FNMA/lseymore

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(10/10, 10/17, 10/24, 10/31)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Under and by virtue of the Power of Sale contained in a Security Deed given by Gladys Greenwood and Paloma M Deleon to Mortgage Electronic Registration Systems, Inc., dated July 22, 2004, recorded in Deed Book C34, Page 608, Lumpkin County, Georgia Records, as last transferred to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing LP by assignment recorded in Deed Book 1163, Page 363, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED NINE THOUSAND FIVE HUNDRED TEN AND 0/100 DOLLARS ($109,510.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in November, 2012, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Bank of America, N.A., 2270 Lakeside Blvd, Richardson, TX 75082, 1-888-219-7773. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument.

To the best knowledge and belief of the undersigned, the party in possession of the property is Gladys Greenwood and Paloma M Deleon or a tenant or tenants and said property is more commonly known as 61 Royal Oaks Lane, Dahlonega, Georgia 30533. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. This law firm is seeking solely to foreclose the creditor’s lien on real estate and this law firm will not be seeking a personal money judgment against you.

Bank of America, N.A, successor by merger to BAC Home Loans Servicing, LP, formerly known as Countrywide Home Loans, LP

as Attorney in Fact for Gladys Greenwood and Paloma M Deleon

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/rl2 11/6/12 Our file no. 5345410-FT10

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 466, 12th District, 1st Section, Lumpkin County, Georgia, being Lot 34, Royal Oaks Subdivision as per plat recorded in Plat Cabinet 1, Slide 81, Page 10 of the Lumpkin County Deed records, which plat is incorporated herein by reference for a more complete description of said property. MR/rl2 11/6/12 Our file no. 5345410 - FT10

(10/10, 10/17, 10/24, 10/31)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Under and by virtue of the Power of Sale contained in a Security Deed given by Anthony Lane Holbrook and Joanne D Holbrook to Mortgage Electronic Registration Systems, Inc., dated October 14, 2011, recorded in Deed Book 1197, Page 259, Lumpkin County, Georgia Records, as last transferred to Branch Banking and Trust Company by assignment recorded in Deed Book 1223, Page 743, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of TWO HUNDRED FORTY-SIX THOUSAND SEVEN HUNDRED AND 0/100 DOLLARS ($246,700.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in November, 2012, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Branch Banking & Trust Company, 301 College Street, PVN #101729, Greenville, SC 29601, 800-827-3722. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument.

To the best knowledge and belief of the undersigned, the party in possession of the property is Anthony Lane Holbrook and Joanne D Holbrook or a tenant or tenants and said property is more commonly known as 356 Morgan Lane, Dawsonville, Georgia 30534. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. This law firm is seeking solely to foreclose the creditor’s lien on real estate and this law firm will not be seeking a personal money judgment against you.

Branch Banking and Trust Company

as Attorney in Fact for

Anthony Lane Holbrook and Joanne D Holbrook

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/nrb1 11/6/12

Our file no. 5683812-FT15

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lots 313, 314, 317 and 318 of the 12th District, 1st Section, Lumpkin County, Georgia, being Lot 62, Castleberry Ridge, Unit One, as per plat recorded in Plat Book 128, Pages 148-151, as revised at Plat Book 134, Pages 75B-79, Lumpkin County Records, said plat being incorporated herein by reference thereto. MR/nrb1 11/6/12 Our file no. 5683812 - FT15

(10/10, 10/17, 10/24, 10/31)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by WILLIAM B JACKSON to WELLS FARGO BANK, N.A. , dated 04/09/2010, and Recorded on 04/21/2010 as Book No. 1158 and Page No. 364-375, LUMPKIN County, Georgia records, as last assigned to WELLS FARGO BANK, N.A. (the Secured Creditor), by assignment, conveying the after-described property to secure a Note of even date in the original principal amount of $101,190.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash at the LUMPKIN County Courthouse within the legal hours of sale on the first Tuesday in November, 2012, the following described property:

THE LAND REFERRED TO IN THIS POLICY IS SITUATED IN THE STATE OF GEORGIA, COUNTY OF LUMPKIN, AND DESCRIBED AS FOLLOWS:

THE FOLLOWING DESCRIBED LAND, SITUATE, LYING AND BEING IN LUMPKIN COUNTY, GEORGIA, TO WIT:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 70 OF THE 1ST DISTRICT AND 1ST SECTION OF LUMPKIN COUNTY, GEORGIA CONTAINING 1.707 ACRES, MORE OR LESS, AS PER PLAT OF SURVEY PREPARED FOR TERRY WAYNE GRINDLE BY FARLEY- COLLINS ASSOCITES, GEORGIA REGISTERED SURVEYOR, DATED MAY 19, 1988, RECORDED IN PLAT BOOK 16, PAGE 63, LUMPKIN COUNTY RECORDS.

SAID PLAT OF SURVEY IS INCORPORATED HEREIN BY REFERENCE FOR A MORE PARTICULAR DESCRIPTION OF SAID PROPERTY APN#: 118-051

BEING THE SAME PROPERTY CONVEYED TO BRYAN JACKSON, TENANCY NOT STATED BY DEED FROM THE CAIN GROUP, LLP DATED 01/31/2006, FILED 02/08/2006 AND RECORDED IN DEED IN BOOK H37, PAGE 238 IN LUMPKIN COUNTY RECORDS.

The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. Because the debt remains in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). WELLS FARGO BANK, N.A. holds the duly endorsed Note and is the current assignee of the Security Deed to the property. WELLS FARGO BANK, N.A., acting on behalf of and, as necessary, in consultation with WELLS FARGO BANK, N.A. (the current investor on the loan), is the entity with the full authority to negotiate, amend, and modify all terms of the loan. Pursuant to O.C.G.A. § 44-14-162.2, WELLS FARGO BANK, N.A. may be contacted at: WELLS FARGO BANK, N.A., 3476 STATEVIEW BLVD, FORT MILL, SC 29715, 803-396-6000. Please note that, pursuant to O.C.G.A. § 44-14-162.2, the secured creditor is not required to amend or modify the terms of the loan.

To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 691 EMORY STEPHENS ROAD, MURRAYVILLE, GEORGIA 40000 is/are: WILLIAM B JACKSON or tenant/tenants. Said property will be sold subject to (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) any matters which might be disclosed by an accurate survey and inspection of the property, and (c) all matters of record superior to the Deed to Secure Debt first set out above, including, but not limited to, assessments, liens, encumbrances, zoning ordinances, easements, restrictions, covenants, etc. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the security deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and nonjudicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided in the preceding paragraph.

WELLS FARGO BANK, N.A.

as Attorney in Fact for

WILLIAM B JACKSON.

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

20120169805484

BARRETT DAFFIN FRAPPIER LEVINE & BLOCK, LLP

15000 Surveyor Boulevard

Addison, Texas 75001

Telephone: (972) 341-5398.

(10/10, 10/17, 10/24, 10/31)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Under and by virtue of the Power of Sale contained in a Security Deed given by Shawn Koren and Rachael Koren to Mortgage Electronic Registration Systems, Inc., dated January 22, 2010, recorded in Deed Book 1152, Page 445, Lumpkin County, Georgia Records, as last transferred to Bank of America, N.A. by assignment recorded in Deed Book 1221, Page 453, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of TWO HUNDRED SEVENTY-TWO THOUSAND SEVEN HUNDRED EIGHTY-ONE AND 0/100 DOLLARS ($272,781.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in November, 2012, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Bank of America, N.A., 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5100. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument.

To the best knowledge and belief of the undersigned, the party in possession of the property is Shawn Koren and Rachael Koren or a tenant or tenants and said property is more commonly known as 154 Camp Creek Ct, Dawsonville, Georgia 30534. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. This law firm is seeking solely to foreclose the creditor’s lien on real estate and this law firm will not be seeking a personal money judgment against you.

Bank of America, N.A.

as Attorney in Fact for

Shawn Koren and Rachael Koren

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/mga 11/6/12

Our file no. 5853712-FT11

EXHIBIT “A”

Land situated in County of Lumpkin, State of Georgia All that tract or parcel of land lying and being in Land Lot 149 of the 13th District, 1st Section of Lumpkin County Georgia, being Lot 8, Blackburn Forest Subdivision, as per plat recorded in Plat Cabinet 1, Slide 78, Plat 160, revised at Plat Cabinet 1, Slide 84, Plat 71, Lumpkin County, Georgia Records, which plat is incorporated herein and made a part hereof by reference. Warranty Deed from: Shawn Koren to Shawn Koren and Rachel Koren, by deed dated 8/3/2005, recorded 8/10/2005 in Deed Book 436 Page 483. CKA: 154 Camp Creek Court, Dawsonville, GA 30534 Parcel Number: 050-090 MR/mga 11/6/12 Our file no. 5853712 - FT11

(10/10, 10/17, 10/24, 10/31)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

Under and by virtue of the power of sale contained in a Security Deed from MONARCH INVESTMENT PROPERTIES, LLC A/K/A MONARCH INVESTMENTS PROPERTIES, LLC to Appalachian Community Bank, dated September 27, 2007, recorded October 8, 2007, in Deed Book 1067, Page 245 and re-recorded in Deed Book 1226, Page 444, Lumpkin County, Georgia records, transferred to Community & Southern Bank pursuant to that certain Purchase and Assumption Agreement dated as of March 19, 2010, by and among Community & Southern Bank, The Federal Deposit Insurance Corporation, Receiver of Appalachian Community Bank and The Federal Deposit Insurance Corporation, and as assigned to COMMUNITY & SOUTHERN BANK by Assignment recorded in Deed Book 1162, Page 518, Lumpkin County Records, said Security Deed being given to secure a Note from MONARCH INVESTMENT PROPERTIES, LLC dated January 6, 2009 in the original principal amount of Thirty Eight Thousand Three Hundred Fifty One and 28/100 ($38,351.28) Dollars, with interest from date at a rate per cent per annum on the unpaid balance until paid; there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in November, 2012, the following described property:

That tract or parcel of land lying and being in Land Lot. 122, 1st District, originally of Habersham County, now Lumpkin County, Georgia, being described as Lot 15-B-2 containing 1.006 acres as shown on a plat of survey for Jennifer Gaddis, dated June 14, 2002, ,and recorded in Plat Cabinet 1, Slide 74, Page 78B, Lumpkin County Records; said plat being incorporated herein by reference for a more complete description of the property.

Also conveyed herewith is a perpetual, non-exclusive easement thirty feet in width running from the subject property to Winters Mountain Road, and also a perpetual, non-exclusive easement sixty feet in width running along and with the private portion of Winters Mountain Road to the county maintained portion of Winters Mountain Road.

This property is conveyed subject, to that certain Road Maintenance Agreement recorded in Deed Book R-6, Pages 159-162, Lumpkin County Records.

Together with an improvement and immovable fixture permanently attached thereto, a 2003 Southern AK651 manufactured home, Serial Number DSD4AL39544AB.

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given).

Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, easements, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

To the best knowledge and belief of the undersigned, the party in possession of the property is MONARCH INVESTMENT PROPERTIES, LLC A/K/A MONARCH INVESTMENTS PROPERTIES, LLC or a tenant or tenants.

By virtue of a Power of Sale contained in that certain Security Deed from ALICE M. NOBLE to Mortgage Electronic Registration Systems, Inc. as a nominee for Ownit Mortgage Solutions, Inc., dated March 24, 2006, recorded March 28, 2006, in Deed Book P37, Page 237-255, Lumpkin County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of One Hundred Twelve Thousand Eight Hundred and 00/100 dollars ($112,800.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK,AS TRUSTEE FOR THE BENEFIT OF THE CERTIFICATEHOLDERS OF THE CWABS INC., ASSET-BACKED CERTIFICATES, SERIES 2006-BC4 , secured creditor, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in November, 2012, all property described in said Security Deed including but not limited to the following described property:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 447, 12TH DISTRICT, 1ST SECTION LUMPKIN COUNTY, GEORGIA AND BEING LOT 24, 1.00 ACRES MORE OR LESS, OF THE BLUERIDGE OVERLOOK SUBDIVISION, PHASE ONE, ACCORDING TO A PLAT OF SURVEY PREPARED BY MICHAEL S. KELLEY, GEORGIA REGISTERED LAND SURVEYOR, FOR QUALITY HOMES, DATED FEBRUARY 21 ,2004 AND FILED WITH REVISIONS IN CABINET 1, SLIDE 101,PLAT 05, ON MAY 12,2004 LUMPKIN COUNTY, GEORGIA RECORDS. SAID PLAT AND THE RECORD THEREOF ARE INCORPORATED HEREIN BY REFERENCE. CONVEYANCE IS CONVEYED SUBJECT TO THOSE RESTRICTIVE COVENANTS FLIED AT DEED BOOK J 34, PAGE 425, LUMPKIN COUNTY, GEORGIA RECORDS. CONVEYANCE IS SUBJECT TO THE WATER SERVICE AGREEMENT FILED AT BOOK J 34, PAGE 435, LUMPKIN COUNTY, GEORGIA RECORDS.

Said legal description being controlling, however the property is more commonly known as 345 HIGH RIDGE LN, DAHLONEGA, GA 30533.

The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed and Note, including but not limited to the nonpayment of the indebtedness as and when due. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys` fees (notice to collect same having been given) and all other payments provided for under the terms of the Security Deed and Note.

Said property will be sold on an “as-is” basis without any representation, warranty or recourse against the above-named creditor or the undersigned. The sale will also be subject to the following items which may affect the title: any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable); the right of redemption of any taxing authority; matters which would be disclosed by an accurate survey or by an inspection of the property; all zoning ordinances; assessments; liens; encumbrances; restrictions; covenants, and any other matters of record superior to said Security Deed.

To the best of the knowledge and belief of the undersigned, the owner and party in possession of the property is ALICE M. NOBLE, or tenants(s).

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed.

The entity having full authority to negotiate, amend or modify all terms of the loan (although not required by law to do so) is: Bank of America, N.A., as successor by merger to BAC Home Loans Servicing, LP f/k/a Countrywide Home Loans Servicing, LP, Loss Mitigation Dept., 7105 Corporate Drive, PTX-A-274, Plano, TX 75024, Telephone Number: 800-720-3758 for and on behalf of the secured creditor.

THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK,AS TRUSTEE FOR THE BENEFIT OF THE CERTIFICATEHOLDERS OF THE CWABS INC., ASSET-BACKED CERTIFICATES, SERIES 2006-BC4

as Attorney in Fact for

ALICE M. NOBLE

THE BELOW LAW FIRM MAY BE HELD TO BE ACTING AS A DEBT COLLECTOR, UNDER FEDERAL LAW. IF SO, ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Under and by virtue of the Power of Sale contained in a Security Deed given by Pamela J Osborne to Mortgage Electronic Registration Systems, Inc., dated November 16, 2007, recorded in Deed Book 1073, Page 215, Lumpkin County, Georgia Records, as last transferred to Bank of America N.A. by assignment recorded in Deed Book 1219, Page 88, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of SEVENTY-FOUR THOUSAND EIGHT HUNDRED TWENTY-SIX AND 0/100 DOLLARS ($74,826.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in November, 2012, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Bank of America, N.A., 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5100. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument.

To the best knowledge and belief of the undersigned, the party in possession of the property is Pamela J Osborne and Martha K. Stanley or a tenant or tenants and said property is more commonly known as 49 Garden Trail Ln, Dahlonega, Georgia 30533. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. This law firm is seeking solely to foreclose the creditor’s lien on real estate and this law firm will not be seeking a personal money judgment against you.

Bank of America N.A.

as Attorney in Fact for

Pamela J Osborne

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/mga 11/6/12

Our file no. 5609712-FT11

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 645, 12th District, 1st Section, Lumpkin County, Georgia and being fully described by a Plat prepared by John T. Gaston, Georgia Registered Land Surveyor, dated August 21, 2002: and as per said plat, the property contains 1.015 Acres, more or less, being more particularly described as Lot 1, Garden Ridge Subdivision. The subject plat being of record in Plat Cabinet One, Slide 78, Plat 151, Lumpkin County Records. Said plat is hereby incorporated by reference. This conveyance is made subject to easements for public roads and utilities now in use. This conveyance is made subject to and together with any easements of record or easements located on the property above described or accessing the above described property. MR/mga 11/6/12 Our file no. 5609712 - FT11

(10/10, 10/17, 10/24, 10/31)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Under and by virtue of the Power of Sale contained in a Security Deed given by Wesley Micah Porter to Mortgage Electronic Registration Systems, Inc., dated May 25, 2007, recorded in Deed Book 1044, Page 174, Lumpkin County, Georgia Records, as last transferred to Countrywide Home Loan Servicing LP by assignment recorded in Deed Book 1121, Page 321, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED FIFTY-FIVE THOUSAND FIVE HUNDRED SIXTY-FIVE AND 0/100 DOLLARS ($155,565.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in November, 2012, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Bank of America, N.A., 2270 Lakeside Blvd, Richardson, TX 75082, 1-888-219-7773. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument.

To the best knowledge and belief of the undersigned, the party in possession of the property is Wesley Micah Porter or a tenant or tenants and said property is more commonly known as 468 Gold Ridge Road, Dahlonega, Georgia 30533. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. This law firm is seeking solely to foreclose the creditor’s lien on real estate and this law firm will not be seeking a personal money judgment against you.

All that tract or parcel of land lying and being in Land Lot 102 of the 11th District, Lumpkin County, Georgia, Being Lots 10 and 11 of Yellow Creek Estates Subdivision, as per Plat recorded in Plat Book 22, Page 9, and as shown on “Reconfigured” plats of record in Plat Cabinet ONE, Slide 117, Pages 128a and 128b, Lumpkin County, Georgia records, which Plat is incorporated herein and made a part hereof by reference. MR/rl2 11/6/12 Our file no. 5169409 - FT10

(10/10, 10/17, 10/24, 10/31)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

Pursuant to the Power of Sale contained in a Security Deed given by Robert Rhine to Mortgage Electronic Registration Systems, Inc. as nominee for Ace Mortgage Funding, LLC. dated 10/20/2008 and recorded in Deed Book 1113 Page 46, Lumpkin County, Georgia records; as last transferred to Wells Fargo Bank, NA, conveying the after-described property to secure a Note in the original principal amount of $ 136,243.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in November, 2012 (November 6, 2012), the following described property:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 1197, IN THE 12TH DISTRICT, 1ST SECTION OF LUMPKIN COUNTY, GEORGIA, BEING LOT 98 CONTAINING 1.09 ACRES, MORE OR LESS, BEING MORE FULLY DESCRIBED AND DELINEATED ACCORDING TO A PLAT OF SURVEY OF UNIT 7 OF THE CHESTERRA SUBDIVISION, PREPARED BY MICHAEL L. SCUPIN, GEORGIA REGISTERED SURVEYOR, WHICH IS RECORDED IN PLAT BOOK 13, PAGE 128, LUMPKIN COUNTY RECORDS, AND WHICH IS INCORPORATED BY REFERENCE HEREIN FOR FULL AND COMPLETE DESCRIPTION.

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Wells Fargo Bank, NA is the current owner of the loan.

Said property is commonly known as 392 Pine Trail, Dahlonega, Georgia 30533 together with all fixtures and personal property attached to and constituting a part of said property, if any. To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): Robert Rhine or tenant or tenants.

Wells Fargo Bank, NA is the entity or individual designated, who shall have full authority to negotiate, amend and modify all terms of the mortgage pursuant to established guidelines.

Wells Fargo Bank, NA

Loss Mitigation

3476 Stateview Boulevard

Fort Mill, SC 29715

1-800-662-5014

Note, however, that such entity or individual is not required by law to negotiate, amend or modify the terms of the loan.

Said property will be sold subject to: (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) the right of redemption of any taxing authority, (c) any matters which might be disclosed by an accurate survey and inspection of the property, and (d) any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

Said property will be sold subject to: (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) unpaid water or sewage bills that constitute a lien against the property whether due and payable or not yet due and payable and which may not be of record, (c) the right of redemption of any taxing authority, (d) any matters which might be disclosed by an accurate survey and inspection of the property, and (e) any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the Security Deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and non-judicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided immediately above.

THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 1000-6673782

(10/10, 10/17, 10/24, 10/31)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

By virtue of the power of sale contained in that certain Georgia Security Deed and Security Agreement from River Junction, LLC to Commercial Loan Solutions III, LLC, as assigned from Commercial Loan Solutions, LLC, as assigned from Branch Banking and Trust Company dated March 21, 2008, and recorded in Deed Book 1089, Page 159, Lumpkin County, Georgia Records, (hereinafter referred to as “Deed to Secure Debt”), there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse at Lumpkin County, Georgia, within the legal hours of sale on Tuesday, November 6, 2012, the property described on Exhibit “A” attached hereto and incorporated herein by reference. The debts secured by said Deed to Secure Debt have been and are hereby declared due and payable because of, among other possible events of default, failure to make payments. The debts remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, including attorney’s fees.

Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, and assessments, liens, encumbrances, zoning ordinances, restrictions, easements, covenants, and matters of record superior to the Deed to Secure Debt first set out above, including, but not necessarily limited to, senior encumbrances that will not be extinguished by the foreclosure sale contemplated by this Notice.

Please note that Commercial Loan Solutions III, LLC is the entity that has full authority to negotiate, amend, and modify all terms of the mortgage, and that Commercial Loan Solutions III, LLC can be contacted through the following representative:

Martin G. Quirk, Esq.

6000 Lake Forrest Drive, Suite 300

Atlanta, Georgia 30328

404-252-1425

To the best knowledge and belief of the undersigned, the Party in possession of the property is River Junction, LLC or a tenant or tenants, and said property is known as Land Lot 992, 12th District, 1st Section, Tract One consisting of 1.338 acres, more or less, and Tract Two consisting of 0.5 acre, more or less, South Chestatee Street, Lumpkin County, Georgia. However, please rely only on the legal description contained in this notice for the location of the property. Please be advised that, if the property contains multiple lots or parcels, the undersigned reserves the right to sell the properties separately or together.

TRACT ONE: All that tract or parcel of land lying and being in Land Lot 992 in the 12th District, 1st Section of Lumpkin County, Georgia, consisting of 1.338 acres, more or less, together with all improvements located thereon, and being more fully described and delineated according to a plat of survey prepared January 31, 1986, and revised August 11, 1994, by Farley – Collins Associates, Georgia Registered Surveyors, which is recorded in Plat Book 27, Page 49, Lumpkin County Records, and which is incorporated by reference herein. This is the same property that was conveyed in a Warranty Deed from Harold Hansard to Wayne Gibson dated May 11, 1996, which is recorded in Deed Book D-16, Page 140, Lumpkin County Records, and which is incorporated by reference herein.

TRACT TWO: All that tract or parcel of land lying and being in Land Lot 992 in the 12th District, 1st Section of Lumpkin County, Georgia, consisting of one-half acre, more or less, together with all improvements located thereon, and being the same property that was conveyed in two Warranty Deeds from Mary Jane Cantrell Satterfield and from Thomas Freeman Cantrell and Dennis David Cantrell to Hoyt Wayne Gibson dated January 30, 1996, and March 1, 1999, which are recorded in Deed Book P-15, Pages 120-121; and Deed Book F-22, Pages 165-166; Lumpkin County Records, and which are incorporated by reference herein. This is the same property that was conveyed in a Warranty Deed from Mrs. Lela Jarrard to Annie Gwen Cantrell dated May 26, 1960, which is recorded in Deed Book J-2, Pages 169-170, Lumpkin County Records, and which is incorporated by reference herein.

Jessica McKibben, Paralegal/Client Coordinator

Quirk & Quirk, LLC

300 Century Springs West

6000 Lake Forrest Drive, NW

Atlanta, Georgia 30328

404-252-1425 telephone

404-671-9135 facsimile

(10/10, 10/17, 10/24, 10/31)

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Notice of Sale under Power

County of Lumpkin, State of Georgia

By virtue of a Power of Sale contained in that certain Security Deed from Robert W. Roak and Christina Kimbriel a/k/a Christina I. Kimbriel to Branch Banking and Trust Company, dated February 26, 2005, recorded March 29, 2005, in Deed Book L-35, Page 609, Lumpkin County, Georgia Records, said Security Deed having been given to secure a Note of even date in the principal amount of ONE HUNDRED SEVENTY-EIGHT THOUSAND SEVEN HUNDRED NINETY-FOUR DOLLARS AND FIFTY CENTS ($178,794.50), with interest thereon as provided for therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in November 2012 by the secured creditor, Branch Banking and Trust Company, as Attorney in Fact for Robert W. Roak and Christina Kimbriel a/k/a Christina I. Kimbriel, all property described in said Security Deed including but not limited to the following described property:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 99 IN THE 1ST DISTRICT, ORIGINALLY OF HABERSHAM, AND NOW OF LUMPKIN COUNTY, GEORGIA, CONSISTING OF 1.00 ACRE, MORE OR LESS, INCLUDING A HOUSE AND ALL OTHER IMPROVEMENTS LOCATED THEREON, AND BEING MORE FULLY DESCRIBED AND DELINEATED AS LOT 6 OF COKER SUBDIVISION ACCORDING TO PLAT OF SURVEY PREPARED JANUARY 27, 2003, BY CIVIL DESIGN SURVEY GROUP, INC., GEORGIA REGISTERED SURVEYOR, WHICH IS RECORDED IN PLAT CABINET ONE, SLIDE 19, PLAT 171-A, LUMPKIN COUNTY RECORDS, AND WHICH IS INCORPORATED BY REFERENCE HEREIN.

Said property being known as 923 Copper Mines Road, Murrayville, GA 30564 according to the present numbering system in Lumpkin County. The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed and Note, including but not limited to the nonpayment of the indebtedness as and when due. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys’ fees and all other payments provided for under the terms of the Security Deed and Note. Said property will be sold subject to the following items which may affect the title to said property: all zoning ordinances; matters which would be disclosed by an accurate survey or by an inspection of the property; any outstanding taxes, including but not limited to ad valorem taxes, which constitute liens upon said property; special assessments; all outstanding bills for public utilities which constitute liens upon said property; all restrictive covenants, easements, rights-of-way and any other matters of record superior to said Security Deed.

To the best of the knowledge and belief of the undersigned, the party in possession of the property is Robert W. Roak and Christina Kimbriel a/k/a Christina I. Kimbriel or tenant(s). The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan. The name of the person or entity who has the full authority to negotiate, amend, and modify all terms of the mortgage is: Branch Banking and Trust Company, 150 Stratford Road, Suite 201, Winston-Salem, NC 27104 TEL (866) 909-4852.

THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

The Geheren Firm, P.C.,

4828 Ashford Dunwoody Road,

2nd Floor,

Atlanta, GA 30338

TEL (678) 587-9500.

(10/10, 10/17, 10/24, 10/31)

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Notice of Sale under Power

County of Lumpkin, State of Georgia

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Under and by virtue of the Power of Sale contained in a Security Deed given by Diane Roddy to Mortgage Electronic Registration Systems, Inc., dated December 5, 2006, recorded in Deed Book 1017, Page 565, Lumpkin County, Georgia Records and as re-recorded in Deed Book 1022, Page 76, Lumpkin County, Georgia Records, as last transferred to BAC Home Loans Servicing, LP, formerly known as Countrywide Home Loans Servicing, LP by assignment recorded in Deed Book 1170, Page 170, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED THIRTY-TWO THOUSAND NINE HUNDRED FOURTEEN AND 0/100 DOLLARS ($132,914.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in November, 2012, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Bank of America, N.A., 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5100. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument.

To the best knowledge and belief of the undersigned, the party in possession of the property is Diane Roddy or a tenant or tenants and said property is more commonly known as 329 Summer Glen Road, Dahlonega, Georgia 30533. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. This law firm is seeking solely to foreclose the creditor’s lien on real estate and this law firm will not be seeking a personal money judgment against you.

Bank of America, N.A., successor by merger to BAC Home Loans Servicing, LP, formerly known as Countrywide Home Loans Servicing, LP

as Attorney in Fact for

Diane Roddy

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/rao1 11/6/12

Our file no. 52263710-FT11

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 71 of the 11th District of Lumpkin County, Georgia, being Tract 1, containing 1.72 acres on Summer Glen Road as per plat of survey recorded at Plat Cabinet 1, Slide 91, Page 16, Lumpkin County, Georgia Records, which plat is incorporated herein and made a part hereof by reference. Also conveyed herewith: A 2004 Horton “Boss” Manufactured Home, 30 X 68, VIN # GEO 1403359 and GEO 1403360. MR/rao1 11/6/12 Our file no. 52263710 - FT11

(10/10, 10/17, 10/24, 10/31)

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Notice of Sale under Power

County of Lumpkin, State of Georgia

By virtue of a Power of Sale contained in that certain Security Deed from JOE E SLAY to Mortgage Electronic Registration Systems, Inc., as nominee for NEIGHBORHOOD FUNDING, INC., dated April 9, 2008, recorded April 17, 2008, in Deed Book 1090, Page 340-354, Lumpkin County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of One Hundred Seven Thousand Three Hundred Fifteen and 00/100 dollars ($107,315.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to BANK OF AMERICA, N.A., secured creditor, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in November, 2012, all property described in said Security Deed including but not limited to the following described property:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 118 OF THE 11TH DISTRICT OF ORIGINALLY HALL, NOW LUMPKIN COUNTY, GEORGIA, AND BEING LOT 10, UNIT TWO, VENETIAN GARDENS, AS SHOWN ON THAT PLAT OF SURVEY PREPARED FOR NATIONAL HOUSING RESOURCES, LLC, BY JIMMY D. BULLOCK, REGISTERED LAND SURVEYOR, DATED SEPTEMBER 16, 1997, RECORDED IN PLAT CABINET 1, SLIDE 11, PLAT 12, LUMPKIN COUNTY, GEORGIA RECORDS, WHICH PLAT IS INCORPORATED HEREIN AND MADE A PART HEREOF BY REFERENCE. ALSO CONVEYED HEREWITH IS A 1998 DESTINY IND. 3519 MANUFACTURED HOME, SERIAL NUMBER OW-64638AB, WHICH IS PERMANENTLY ATTACHED TO AND MADE A PART OF THE REAL PROPERTY.

Said legal description being controlling, however the property is more commonly known as 88 GARDEN TERRACE, DAHLONEGA, GA 30533.

The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed and Note, including but not limited to the nonpayment of the indebtedness as and when due. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys` fees (notice to collect same having been given) and all other payments provided for under the terms of the Security Deed and Note.

Said property will be sold on an “as-is” basis without any representation, warranty or recourse against the above-named creditor or the undersigned. The sale will also be subject to the following items which may affect the title: any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable); the right of redemption of any taxing authority; matters which would be disclosed by an accurate survey or by an inspection of the property; all zoning ordinances; assessments; liens; encumbrances; restrictions; covenants, and any other matters of record superior to said Security Deed.

To the best of the knowledge and belief of the undersigned, the owner and party in possession of the property is JOE E SLAY, or tenants(s).

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed.

The entity having full authority to negotiate, amend or modify all terms of the loan (although not required by law to do so) is: Bank of America, N.A., as successor by merger to BAC Home Loans Servicing, LP f/k/a Countrywide Home Loans Servicing, LP, Loss Mitigation Dept., 7105 Corporate Drive, PTX-A-274, Plano, TX 75024, Telephone Number: 800-720-3758 for and on behalf of the secured creditor.

BANK OF AMERICA, N.A.

as Attorney in Fact for

JOE E SLAY

THE BELOW LAW FIRM MAY BE HELD TO BE ACTING AS A DEBT COLLECTOR, UNDER FEDERAL LAW. IF SO, ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

By virtue of the power of sale contained in a Deed to Secure Debt by MESHELL L. STOKES and TOMMY J. STOKES to CitiFinancial Services, Inc., dated March 3, 2008 and filed for record March 7, 2008 in Deed Book 1085, Page 479, Lumpkin County, Georgia records, and securing a Note in the original principal amount of $256,978.38; there will be sold at a public outcry for cash to the highest bidder before the Courthouse door of Lumpkin County, Georgia, between the legal hours of sale on the first Tuesday in November, 2012, by CitiFinancial Services, Inc. as Attorney-in-Fact for MESHELL L. STOKES and TOMMY J. STOKES the following property to-wit:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 171 OF THE 13TH DISTRICT, 1ST SECTION, LUMPKIN COUNTY, GEORGIA AND BEING ON THAT CERTAIN PLAT FOR MESHELL AND TOMMY STOKES, AS PER PLAT RECORDED IN PLAT BOOK 26, PAGE 148, LUMPKIN COUNTY, GEORGIA RECORDS, WHICH PLAT IS HEREBY REFERRED TO AND MADE A PART HEREOF BY REFERENCE.

BEING THE SAME FEE SIMPLE PROPERTY CONVEYED BY DEED FROM MESHELL L. STOKES TO TOMMY J. STOKES AND MESHELL L. STOKES, AS JOINT TENANTS WITH RIGHTS OF SURVIVORSHIP, DATED 05/06/1996 RECORDED ON 5/21/1996 IN BOOK C16, PAGE 338 IN LUMPKIN COUNTY RECORDS, STATE OF GA.

The above described property is also known as 614 OLD KERNS ROAD, DAWSONVILLE, GA 30534.

The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of the indebtedness secured thereby, this sale will be made for the purpose of paying the same and all expenses of sale, including attorney’s fees, if applicable.

The property will be sold as the property of the aforesaid grantor subject to the following: all prior restrictive covenants, easements, rights-of-way, security deeds, or encumbrances of record; all valid zoning ordinances; matters which would be disclosed by an accurate survey of the property or by any inspection of the property; all outstanding taxes, assessments, unpaid bills, charges, and expenses that are a lien against the property whether due and payable or not yet due and payable.

Pursuant to O.C.G.A. § 44-14-162.2, the name, address and telephone number of the individual or entity who shall have the full authority to negotiate, amend or modify all terms of the above described mortgage is as follows:

CitiMortgage, Inc.

5280 Corporate Drive

Attn: Default Mail Services

Frederick, MD 21703

Phone: HAT Program: 866-272-4749

Fax: 866-989-2089 or 866-989-2088

The foregoing notwithstanding, nothing in O.C.G.A. § 44-14-162.2 shall be construed to require CitiFinancial Services, Inc. to negotiate, amend or modify the terms of the Deed to Secure Debt described herein.

CitiFinancial Services, Inc.

as Attorney-in-Fact for

MESHELL L. STOKES and TOMMY J. STOKES

SHUPING, MORSE & ROSS, L.L.P.

By: S. Andrew Shuping, Jr.

6259 Riverdale Road, Suite 100

Riverdale, GA 30274

770-991-0000

THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT.

ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE

(10/10, 10/17, 10/24, 10/31)

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Notice of Sale under Power

County of Lumpkin, State of Georgia

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Fran Sullens to Mortgage Electronic Registration Systems, Inc. as nominee for United Community Mortgage Services, Inc., its successors and assigns dated January 5, 2010 in the amount of $133,000.00, and recorded in Deed Book 1150, Page 725, Lumpkin County, Georgia Records; as last transferred to GMAC Mortgage, LLC by assignment; the undersigned, GMAC Mortgage, LLC pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in November, 2012 , during the legal hours of sale, at the Courthouse door in Lumpkin County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit:

All that tract or parcel of land lying and being in Land Lot 102 of the 11th District, originally Hall now Lumpkin County, Georgia, consisting of 1.00 acre, more or less, together with all improvements located thereon, and being more particularly set out as Lot 6 of the Pinewood Place Subdivision on a plat of survey prepared for William T. and Amy D. Hopkins by Chris M. Patton, Georgia Registered Land Surveyor. This plat is recorded in Plat Book 30, Page 84, Lumpkin County Records, and is incorporated herein by reference for a more detailed description. This property is conveyed subject to all easements for roads and utilities in use or of record.

which has the property address of 195 Pinewood Place, Dahlonega, Georgia, together with all fixtures and other personal property conveyed by said deed.

The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

Notice has been given of intention to collect attorneys’ fees in accordance with the terms of the note secured by said deed. Notice has been also given, in writing and by certified mail, return receipt requested, to the borrower, of the name, address, and telephone number of the individual or entity who shall have full authority to negotiate, amend, and modify all terms of the Security Deed and the note thereby secured in accordance with O.C.G.A. Section 44-14-162.2(a).

Said property will be sold as the property of Fran Sullens and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed.

GMAC Mortgage, LLC

Attorney in Fact for

Fran Sullens

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Dahlonega Nugget

Publication Dates:10-10-2012, 10-17-2012, 10-24-2012, 10-31-2012

File No. 12-07521 /FNMA/awilby

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(10/10, 10/17, 10/24, 10/31)

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Notice of Sale under Power

County of Lumpkin, State of Georgia

Pursuant to the Power of Sale contained in a Security Deed given by Stanley N Tyler Sr to Wells Fargo Bank, NA dated 8/10/2007 and recorded in Deed Book 1059 Page 711, Lumpkin County, Georgia records; as last transferred to Wells Fargo Bank, NA, conveying the after-described property to secure a Note in the original principal amount of $ 145,145.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in November , 2012 (November 6, 2012), the following described property:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 985 OF THE 5TH DISTRICT, 1ST SECTION OF LUMPKIN COUNTY, GEORGIA, BEING LOT 4 OF CRAWFORD FALLS SUBDIVISION AS SHOWN ON THAT CERTAIN PLAT OF SURVEY FOR PATRICK DEVELOPMENT, LLC, BY DAVID L. RINGO, GRLS NO. 2250, DATED MARCH 3, 2005, AND RECORDED IN PLAT CABINET 1, SLIDE 133, PAGES 59-60, LUMPKIN COUNTY, GEORGIA RECORDS, WHICH PLAT IS INCORPORATED HEREIN AND MADE A PART HEREOF BY REFERENCE.

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Wells Fargo Bank, NA is the current owner of the loan.

Said property is commonly known as 65 Miller Drive, Dawsonville, GA 30534 together with all fixtures and personal property attached to and constituting a part of said property, if any. To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): Stanley N Tyler Sr or tenant or tenants.

Wells Fargo Bank, NA is the entity or individual designated, who shall have full authority to negotiate, amend and modify all terms of the mortgage pursuant to established guidelines.

Wells Fargo Bank, NA

Loss Mitigation

3476 Stateview Boulevard

Fort Mill, SC 29715

1-800-662-5014

Note, however, that such entity or individual is not required by law to negotiate, amend or modify the terms of the loan.

Said property will be sold subject to: (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) the right of redemption of any taxing authority, (c) any matters which might be disclosed by an accurate survey and inspection of the property, and (d) any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

Said property will be sold subject to: (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) unpaid water or sewage bills that constitute a lien against the property whether due and payable or not yet due and payable and which may not be of record, (c) the right of redemption of any taxing authority, (d) any matters which might be disclosed by an accurate survey and inspection of the property, and (e) any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the Security Deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and non-judicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided immediately above.

THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 1000-667488849

(10/10, 10/17, 10/24, 10/31)

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Notice of Sale under Power

County of Lumpkin, State of Georgia

By virtue of a Power of Sale contained in that certain Security Deed from Chadwick Harry Walker and Katherine Melissa Walker to Mortgage Electronic Registration Systems, Inc., as nominee for Countrywide Home Loans, Inc., dated July 25, 2006, recorded August 15, 2006, in Deed Book 1000, Page 25, Lumpkin County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of One Hundred Thirty-Three Thousand Six Hundred and 00/100 dollars ($133,600.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to The Bank Of New York Mellon Fka The Bank Of New York, As Trustee For The Certificateholders Cwalt, Inc., Alternative Loan Trust 2006-32CB, Mortgage Pass-through Certificates, Series 2006-32CB, secured creditor, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in November, 2012, all property described in said Security Deed including but not limited to the following described property:

THE FOLLOWING DESCRIBED REAL PROPERTY SITUATE IN THE CITY OF DAHLONEGA, COUNTY OF LUMPKIN, AND STATE OF GEORGIA, TO WIT:

THE FOLLOWING DESCRIBED REAL PROPERTY, TO WIT: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 102 IN THE 11TH DISTRICT, ORIGINALLY OF HALL, AND NOW OF LUMPKIN COUNTY, GEORGIA, CONSISTING

OF 1.12 ACRES, MORE OR LESS, AND BEING MORE FULLY DESCRIBED AND DELINEATED AS LOT 10 OF THE PINEWOOD PLACE SUBDMSION AS SHOWN ON A PLAT OF SURVEY PREPARED BY PATTON AND PATTON, GEORGIA REGISTERED SURVEYORS, DATED JANUARY 4,1995, RECORDED IN PLAT BOOK 27, PAGE 165, LUMPKIN COUNTY RECORDS. TAX ID #: 99-133 BY FEE SIMPLE DEED FROM ALVIN FRANK WALKER AS SET FORTH IN DEED BOOK B30, PAGE 630 AND RECORDED ON 10/4/2002, LUMPKIN COUNTY RECORDS. THE SOURCE DEED AS STATED ABOVE IS THE LAST RECORD OF VESTING FILED FOR THIS PROPERTY, THERE HAVE BEEN NO VESTING CHANGES SINCE THE DATE OF THE ABOVE REFERENCED SOURCE,

Said legal description being controlling, however the property is more commonly known as 391 Pinewood Pleasant, Dahlonega, GA 30533.

The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed and Note, including but not limited to the nonpayment of the indebtedness as and when due. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys` fees (notice to collect same having been given) and all other payments provided for under the terms of the Security Deed and Note.

Said property will be sold on an “as-is” basis without any representation, warranty or recourse against the above-named creditor or the undersigned. The sale will also be subject to the following items which may affect the title: any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable); the right of redemption of any taxing authority; matters which would be disclosed by an accurate survey or by an inspection of the property; all zoning ordinances; assessments; liens; encumbrances; restrictions; covenants, and any other matters of record superior to said Security Deed.

To the best of the knowledge and belief of the undersigned, the owner and party in possession of the property is Chadwick Harry Walker and Katherine Melissa Walker, or tenants(s).

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed.

The entity having full authority to negotiate, amend or modify all terms of the loan (although not required by law to do so) is: Bank of America, N.A., as successor by merger to BAC Home Loans Servicing, LP f/k/a Countrywide Home Loans Servicing, LP, Loss Mitigation Dept., 7105 Corporate Drive, PTX-A-274, Plano, TX 75024, Telephone Number: 800-720-3758 for and on behalf of the secured creditor.

THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK, AS TRUSTEE FOR THE CERTIFICATEHOLDERS CWALT, INC., ALTERNATIVE LOAN TRUST 2006-32CB, MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2006-32CB

as Attorney in Fact for

CHADWICK HARRY WALKER AND KATHERINE MELISSA WALKER

THE BELOW LAW FIRM MAY BE HELD TO BE ACTING AS A DEBT COLLECTOR, UNDER FEDERAL LAW. IF SO, ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by CHESTER T WILEY III AND SHANNON N WILEY to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (“MERS”), AS NOMINEE FOR AMERICAHOMEKEY, INC. , dated 09/14/2009, and Recorded on 10/01/2009 as Book No. 1143 and Page No. 349-361, LUMPKIN County, Georgia records, as last assigned to WELLS FARGO BANK, N.A. (the Secured Creditor), by assignment, conveying the after-described property to secure a Note of even date in the original principal amount of $147,283.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash at the LUMPKIN County Courthouse within the legal hours of sale on the first Tuesday in November, 2012, the following described property:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 38, 12TH DISTRICT, 1ST SECTION, LUMPKIN COUNTY, GEORGIA, BEING LOT 41, GREENWOOD PARK SUBDIVISION, AS PER PLAT OF SURVEY RECORDED IN PLAT CABINET 1, SLIDE 86 PAGE 108, LUMPKIN COUNTY GEORGIA RECORDS.

The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. Because the debt remains in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). WELLS FARGO BANK, N.A. holds the duly endorsed Note and is the current assignee of the Security Deed to the property. WELLS FARGO BANK, N.A., acting on behalf of and, as necessary, in consultation with WELLS FARGO BANK, N.A. (the current investor on the loan), is the entity with the full authority to negotiate, amend, and modify all terms of the loan. Pursuant to O.C.G.A. § 44-14-162.2, WELLS FARGO BANK, N.A. may be contacted at: WELLS FARGO BANK, N.A., 3476 STATEVIEW BLVD, FORT MILL, SC 29715, 803-396-6000. Please note that, pursuant to O.C.G.A. § 44-14-162.2, the secured creditor is not required to amend or modify the terms of the loan.

To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 537 GREENWOOD PARK WAY, DAWSONVILLE, GEORGIA 30534 is/are: CHESTER T WILEY III AND SHANNON N WILEY or tenant/tenants. Said property will be sold subject to (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) any matters which might be disclosed by an accurate survey and inspection of the property, and (c) all matters of record superior to the Deed to Secure Debt first set out above, including, but not limited to, assessments, liens, encumbrances, zoning ordinances, easements, restrictions, covenants, etc. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the security deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and nonjudicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided in the preceding paragraph.

WELLS FARGO BANK, N.A.

as Attorney in Fact for

CHESTER T WILEY III AND SHANNON N WILEY.

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

20120169805627

BARRETT DAFFIN FRAPPIER LEVINE & BLOCK, LLP

15000 Surveyor Boulevard

Addison, Texas 75001

Telephone: (972) 341-5398.

(10/10, 10/17, 10/24, 10/31)

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Notice of Sale under Power

County of Lumpkin, State of Georgia

WHEREAS, heretofore on November 1, 2010, Jesse Wilson executed a Deed to Secure Debt in favor of Gary Grizzle and Jan Grizzle, in the original principal amount of $38,000.00, which Deed to Secure Debt is recorded in Deed Book 1173, page 145, Lumpkin County, Georgia records; and

WHEREAS, the indebtedness secured by said Deed to Secure Debt has become in default under the terms and conditions of said Deed to Secure Debt, and Gary Grizzle and Jan Grizzle have declared all of said indebtedness secured thereby due and payable;

NOW, THEREFORE, in exercise of the powers of sale contained in said Deed to Secure Debt and in accordance with the law in such cases made and provided, the undersigned, as attorney in fact for the said Gary Grizzle and Jan Grizzle will sell the below described property to the highest and best bidder for cash before the courthouse door in Lumpkin County, Georgia, between the legal hours of sale on the first Tuesday in November, 2012.

The property to be sold is described as follows:

All that tract or parcel of land lying and being in Land Lot 117 of the 11th District, Lumpkin County, Georgia, being Lot 93 of Wellington Subdivision, Phase V, as shown on a plat recorded in Plat Cabinet 1, Slide 19, page 179, Lumpkin County, Georgia records, said plat being incorporated herein by reference for a more complete description thereof.

Also conveyed herewith is any and all right, title and interest in and to the mobile home located on the within-described property.

Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, any matters of record superior to the Deed to Secure Debt first set out above, and rights of redemption, if any, conferred by applicable state or federal law.

The proceeds from said sale will be used first to pay said Deed to Secure Debt in favor of Gary Grizzle and Jan Grizzle and the Note which it secures, legal fees and the costs of foreclosure and the balance, if any, will be disbursed to the parties entitled thereto as provided by law.

To the best knowledge and belief of the undersigned, the party in possession of the property is Jesse Wilson.

Gary Grizzle and Jan Grizzle as

Attorney in Fact for Jesse Wilson

Boling Rice LLC

Attorneys for Gary Grizzle and Jan Grizzle

207 Pirkle Ferry Rd.

Cumming, GA 30040

THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Notice is hereby given that, in accordance with O.C.G.A. § 21-2-540 and O.C.G.A 3-3-7(j) & (p), a special election shall be held in conjunction with the November 6, 2012 General Election in Lumpkin County for the purpose of submitting to the voters the following questions for approval or rejection:

“Shall the governing authority of Lumpkin County be authorized to permit and regulate Sunday sales of distilled spirits and alcoholic beverages for beverage purposes by the drink?”

“Shall the governing authority of Lumpkin County be authorized to permit and regulate Sunday sales of malt beverages and wine by retailers of malt beverages and wine?”

The special election will be held in conjunction with the November 6, 2012 General Election.

All persons who are not registered to vote and who desire to register to vote in the special election may register to vote through the close of business on October 9, 2012. Early Voting will be held October 15 through November 2, 2012, Monday through Friday, 8:00 a.m. until 5:00 p.m. and Saturday October 27, 2012, 9:00 a.m. until 4:00 p.m. at the Lumpkin County Community Center (YMCA/Parks & Rec), 365 Riley Rd, Dahlonega, Georgia. Polls will be open 7:00 a.m. until 7:00 p.m. on Election Day.

This the 3rd day of October, 2012.

Ashley Peck

Supervisor of Elections

Lumpkin County

(10/3, 10/10, 10/17, 10/24, 10/31)223

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NOTICE TO VICKI G. MCMAHAN KING, WELLS FARGO BANK AND ALL THE WORLD

The right to redeem the following described property, to wit:

All that tract or parcel of land designated as Tax Parcel 036-041, in Land Lot 12 of the 13th District, Lumpkin County, Georgia, being 1.16 acres, more or less, as shown in Plat Cabinet One, Slide 65, Page 95A, Lumpkin County Records

will expire and be forever foreclosed and barred on and after the 29th day of October, 2012.

The tax deed to which this notice relates is dated the 6th day of September, 2011 and is recorded in the office of the Clerk of the Superior Court of Lumpkin County, Georgia, in Deed Book 1195, Page 483. The property may be redeemed at any time before the 29th day of October, 2012, by payment of the redemption price as fixed and provided by law to Kyle Daniel Diodati and Eleanore Marie Diodati at the following address: 6625 Highway 53E, Suite 410-423, Dawsonville, GA 30534.

Please be governed accordingly.

(10/3, 10/10, 10/17, 10/24) 172

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NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Frank H. Walker, Jr., deceased, late of said county and state, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to said Estate are required to make immediate payment to us.

This 26th day of September, 2012.

Kyle A. Walker, Executor

2406 Mill Creek Road

Dahlonega, GA 30533

(10/3, 10/10, 10/17, 10/24)

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NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of William Jeffrey Lowe, deceased, late of said county and state, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to said Estate are required to make immediate payment to us.

This 27th day of September, 2012.

Debra L. Lowe, Administrator

95 Memory Lane

Dahlonega, GA 30533

(10/3, 10/10, 10/17, 10/24)

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NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Asta I Marti, deceased, late of said county, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to said estate are required to make immediate payment to me.

This 15th day of August, 2012

Yvonne Marti-Garbee, Executrix of the Estate of Asta I Marti.

Joy L. Edelberg

Horne & Horne, PC

Post Office Box 37

Dahlonega, GA 30533

(10/3, 10/10, 10/17, 10/24)gpn06

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NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Cora E. Martin, deceased, late of said county and state, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to said Estate are required to make immediate payment to us.

This 4th day of September, 2012.

Joseph W. Martin and Norma M Hulsey, Executors

1323 River Flow Drive

Dahlonega, GA 30533

(10/10, 10/17, 10/24, 10/31)

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SUMMARY OF PROPOSED

CONSTITUTIONAL

AMENDMENTS

Pursuant to requirements of the Georgia Constitution, Attorney General Samuel S. Olens, Secretary of State Brian P. Kemp, and Legislative Counsel Wayne R. Allen hereby provide the summaries of the proposed constitutional amendments that will appear on the November 6, 2012, general election ballot for consideration by the people of Georgia (the short headings in bold print are the same as those assigned by the Constitutional Amendments Publication Board pursuant to O.C.G.A. Sec. 5012101):

#1

Provides for improving student achievement and parental involvement through more public charter school options.

House Resolution No. 1162

Ga. L. 2012, p. 1364

“YES ( )

NO ( )

Shall the Constitution of Georgia be amended to allow state or local approval of public charter schools upon the request of local communities?”

This proposal authorizes the General Assembly to provide by law for the creation of public state charter schools, which would operate under the terms of charters between the State Board of Education and charter petitioners, while preserving the authority of local boards of education to establish local charter schools. Specifically, the proposal clarifies the authority of the General Assembly to provide for statewide policies for public education prior to the college or postsecondary level, restates the authority of the General Assembly to establish special schools, prohibits the incurrence of bonded indebtedness or the levy of school taxes for the support of special schools without approval of the local board of education and the voters in the affected school system, provides that special schools may

include public state charter schools, preserves the authority of local boards of education to establish local charter schools, authorizes the expenditure of state funds for special schools, and prohibits the deduction of certain state funds from local school districts as a direct result or consequence of the enrollment of students in state charter schools.

The General Assembly has enacted a law to exercise the authority granted by the proposed constitutional amendment to provide for public state charter schools. This law will become effective only if the constitutional amendment is ratified by the voters. This law is published at Georgia Laws 2012, p. 1298, Sec. 1, and was enacted by 2012 HB 797, Act No. 766.

A copy of this entire proposed constitutional amendment is on file in the office of the judge of the probate court and is available for public inspection.

#2

Allows the state to save taxpayer funds through multiyear real estate rental agreements.

Senate Resolution No. 84

Ga. L. 2012, p. 1363

“YES ( )

NO ( )

Shall the Constitution of Georgia be amended so as to provide for a reduction in the state’s operating costs by allowing the General Assembly to authorize certain state agencies to enter into multiyear rental agreements?”

This proposal authorizes the General Assembly to provide by law for the State Properties Commission, the Board of Regents of the University System of Georgia, and the Georgia Department of Labor to enter into rental agreements for the possession and use of real property without obligating present funds for the full amount of obligation the state may bear under the full term of any such rental agreement. Any such agreement shall provide for the termination of the agreement in the event of insufficient funds.

The General Assembly has enacted a law to exercise the authority granted by the proposed constitutional amendment to provide for multiyear rental agreements for real property. This law will become effective only if the constitutional amendment is ratified by the voters. This law is published at Georgia Laws 2012, p. 989, and was enacted by 2012 SB 37, Act No. 717.

A copy of this entire proposed constitutional amendment is on file in the office of the judge of the probate court and is available for public inspection.

(10/17, 10/24, 10/31) 634

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Application for Beer/Wine

Richard A. Whorf has applied with the Dahlonega City Council for the Beer/Wine license for Yahoola Creek Grill located at 1810 South Chestatee Street, Suite #207, Dahlonega, Georgia 30533.

(10/17, 10/24)

Notice of Change of

Corporate Name

Notice is given that articles of amendment which will change the name of Horne & Horne, P.C., to Horne & Edelberg, P.C., have been delivered to the Secretary of State for filing in accordance with the Georgia Business Corporation Code. The registered office of the corporation is located at 215 Morrison Moore Pkwy E, Dahlonega, Georgia 30533.

(10/17, 10/24)

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NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Frances V. Kirk, deceased, late of said county, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to said estate are required to make immediate payment to me.

This 10th day of October, 2012

Johnny Kirk, Executor of the Estate of Frances V. Kirk

Joy L. Edelberg

Horne & Horne, PC

Post Office Box 37

Dahlonega, GA 30533

(10/17, 10/24, 10/31, 11/7)

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Notice of Public Sale

In accordance with the “Georgia Self-Service Storage Facility Act,” Oak Grove Stor-All, LLC, will sell to the highest bidder the following units on November 3, 2012, at 935 Oak Grove Road, Dahlonega, GA 30533 at 10 a.m. Oak Grove Stor-All, LLC. Our phone number is 706-864-2351. We reserve the right to bid, refuse any bid and withdraw any unit. Terms are Cash only and items must be removed from the facility within 48 hours. All items are sold as is. Sale is subject to cancellation in the event of a settlement between the owner and the obligated party. Any vehicle/RV/boat or any titled type of property is for parts only; no title is given or implied.

A general identity of the occupant renting the unit is as follows:

D27 J. Dillon

A20 F. Funderburk

E27 J. Anderson

A17 W. Torrince, Jr.

(10/24, 10/31)

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NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Charlotte Self, deceased, late of said county and state, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to said Estate are required to make immediate payment to us.

This 15th day of October, 2012.

Jerry D. Self, Jr. Administrator

803 Alcova Drive

Social Circle, Georgia 30025

(10/24, 10/31, 11/7, 11/14)

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NOTICE of Incorporation

Notice is given that articles of incorporation that will incorporate Solid Rock Drywall, Inc., have been delivered to the Secretary of State for filing in accordance with the Georgia Business Corporation Code. The initial registered office of the corporation is located at 516 Lakeview Drive, Dahlonega, Georgia, and its initial registered agent at such address is Ben James III.

(10/24, 10/31)

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AUCTION

Armored Mini Storage

5361 Long Branch Rd.

Dahlonega, GA 30533

706-867-7534

fax 706-867-7534

Callaway, Stacey G217

Coffel, David H232

Davis, Walter C22

Denmon, Jamie G198

Oakley, Paula B89

Crann, Mike F164

Jackson, Danny B80

Kerns, Shelly D127

Reneau, M. David B90

Welch, Charlie J283

Edwards, Dana D113

Byers, Aaron B73

Woron, Carla A39

Farmer, Barbara J. R0028V

Irby, Elizabeth D102

Sale date: November 3, at 10:00 a.m.

(10/24, 10/31)

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Application for Beer/Wine/distilled spirits License

Sheldon G. Best has applied with the Dahlonega City Council for a Beer/Wine/Distilled Spirits License for Aramark Educational Services, LLC dba/North Georgia College and State University located at 82 College Circle, Dahlonega, Georgia 30597.

(10/24, 10/31)

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NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Tommy Fouts, deceased, late of said county and state, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to said Estate are required to make immediate payment to us.

This 17th day of October, 2012.

Patricia L. Fouts, Executor/Administrator

286 Anderson Drive

Dahlonega, Georgia 30533

(10/24, 10/31, 11/7, 11/14)

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NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Aldine Woodard, deceased, late of Lumpkin County, Georgia, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to said Estate are required to make immediate payment to me.

This 18th day of October, 2012.

Norma Milner Woodard, as Executrix of the Estate of Aldine Woodard, deceased

44 Woodard Lane

Cleveland, GA 30528

(10/24, 10/31, 11/7, 11/14)

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Georgia, Lumpkin County

NOTICE TO

DEBTORS AND CREDITORS

All creditors of the Estate of Marvin Neal Anderson, deceased, of Lumpkin County, Georgia, are hereby notified to render an account of their demands to the undersigned according to law, and all persons indebted to said Estate are required to make immediate payment to the undersigned.

Patricia Martin Anderson, as Executrix of the Estate of Marvin Neal Anderson, Deceased

c/o James M. Coyle

P.O. Box 3280

Gainesville, Georgia 30503

(10/24, 10/31, 11/7, 11/14)

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Trade Name Registration

Georgia, Lumpkin County

Notice is hereby given that a trade name registration statement has been filed in this office, verified by affidavit of Barbara C. Cocherell, which affidavit states that she is the owner of a business of Placing LED (Light Emitting Diodes) pads on the body to balance the clients system, operating under the trade name of Dahlonega Wellness and Light, now being carried on at 835 Sleepy Hollow Road, Dahlonega, GA 30533.

Witness my official signature and seal of the Superior Court this 19th day of October, 2012.

Rita Harkins

Clerk of Superior Court

(10/24, 10/31)

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IN THE PROBATE COURT OF

LUMPKIN COUNTY

STATE OF GEORGIA

IN RE: JOHN ALSTON, DECEASED

ESTATE NO. A-10

NOTICE OF PUBLICATION

To: The heirs of Ausburn Alston, unknown heirs at Law, and any heir whose current address is unknown

BE NOTIFIED: John Roger Palmour, in his capacity of County Administrator, has been appointed as successor administrator of the estate of John Alston, deceased. In accordance with OCGA § 53-2-51 et seq., the administrator has filed a Petition seeking to distribute the unclaimed assets of the estate to the Lumpkin County Board of Education to become part of the educational fund. All interested parties are hereby notified to show cause why said Petition should not be granted. All objections to said Petition must be in writing, setting forth the grounds of any such objection, and must be filed with the Court on or before November 26, 2012. All pleadings/objections must be signed before a Notary Public or before a Probate Court Clerk. If any objections are filed, a hearing will be scheduled at a later date. If no objections are filed, the Petition may be granted without a hearing.

Michael A. Chastain

PROBATE JUDGE

By: Shelley Wilson

PROBATE CLERK

325 Riley Road, Room 122

Dahlonega, Georgia 30533

706-864-3847

(10/24, 10/31, 11/7, 11/14)

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IN THE PROBATE COURT OF

LUMPKIN COUNTY

STATE OF GEORGIA

IN RE: MRS. J.R. MCDONALD, DECEASED

ESTATE NO. MC-6

NOTICE OF PUBLICATION

To: The heirs of William E McDonald, the heirs of Robert Lee McDonald, unknown heirs at Law, and any heir whose current address is unknown

BE NOTIFIED: John Roger Palmour, in his capacity of County Administrator, has been appointed as successor administrator of the estate of Mrs. J. R. McDonald, deceased. In accordance with OCGA § 53-2-51 et seq., the administrator has filed a Petition seeking to distribute the unclaimed assets of the estate to the Lumpkin County Board of Education to become part of the educational fund. All interested parties are hereby notified to show cause why said Petition should not be granted. All objections to said Petition must be in writing, setting forth the grounds of any such objection, and must be filed with the Court on or before November 26, 2012. All pleadings/objections must be signed before a Notary Public or before a Probate Court Clerk. If any objections are filed, a hearing will be scheduled at a later date. If no objections are filed, the Petition may be granted without a hearing.

Michael A. Chastain

PROBATE JUDGE

By: Shelley Wilson

PROBATE CLERK

325 Riley Road, Room 122

Dahlonega, Georgia 30533

706-864-3847

(10/24, 10/31, 11/7, 11/14)

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IN THE PROBATE COURT OF

LUMPKIN COUNTY

STATE OF GEORGIA

IN RE: JENNIE L. SEITZ, DECEASED

ESTATE NO. A-10

NOTICE OF PUBLICATION

To: The heirs of Robert McDonald, unknown heirs at Law, and any heir whose current address is unknown

BE NOTIFIED: John Roger Palmour, in his capacity of County Administrator, has been appointed as successor administrator of the estate of Jennie L. Seitz, deceased. In accordance with OCGA § 53-2-51 et seq., the administrator has filed a Petition seeking to distribute the unclaimed assets of the estate to the Lumpkin County Board of Education to become part of the educational fund. All interested parties are hereby notified to show cause why said Petition should not be granted. All objections to said Petition must be in writing, setting forth the grounds of any such objection, and must be filed with the Court on or before November 26, 2012. All pleadings/objections must be signed before a Notary Public or before a Probate Court Clerk. If any objections are filed, a hearing will be scheduled at a later date. If no objections are filed, the Petition may be granted without a hearing.

Michael A. Chastain

PROBATE JUDGE

By: Shelley Wilson

PROBATE CLERK

325 Riley Road, Room 122

Dahlonega, Georgia 30533

706-864-3847

(10/24, 10/31, 11/7, 11/14)

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Notice of Sale under Power

LUMPKIN COUNTY

Pursuant to the Power of Sale contained in a Security Deed given by Thomas Johnson and Phyllis Johnson to Mortgage Electronic Registration Systems, Inc., as nominee for American Mortgage Network, Inc., A Delaware Corporation dated 4/15/2008 and recorded in Deed Book 1091 Page 365, Lumpkin County, Georgia records; as last transferred to Wells Fargo Bank, NA, conveying the after-described property to secure a Note in the original principal amount of $ 168,490.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in November, 2012 (November 6, 2012), the following described property:

All that tract or parcel of land lying and being in Land Lot 99, lst District, Lumpkin County, Georgia, containing 1.02 acres, and being shown as Tract “A” on a plat of survey for Jerry Dean Ayers, dated October 8, 1997 by Frederick F. Kaufman, Georgia Registered Land Surveyor #1774, and being more particularly described as follows:

To find the True Point of Beginning, begin at a point located at the common corner of Land Lots 109, 100, 99 and 110, thence South 01 degrees 08 minutes 31 seconds West a distance of 833.22 feet to a 1/2” rebar; thence South 01 degrees 08 minutes 31 seconds West a distance of 200.62 feet to a 1/2” rebar located on the northerly side of the right of way of Norman Bell Road (80 foot right of way); thence South 68 degrees 06 minutes 28 seconds East a distance of 43.33 feet to a point; which point is the True Point of Beginning; from the True Point of Beginning thus established, proceed North 19 degrees 12 minutes 01 seconds West a distance of 59.03 feet to a point; thence North 01 degrees 08 minutes 31 seconds East a distance of 157.71 feet to a point; thence South 80 degrees 33 minutes 49 seconds East a distance of 229.79 feet to a 1/2” rebar; thence South 11 degrees 41 minutes 57 seconds West a distance of 218.77 feet to a point located on the northerly side of the 80 foot right of way of Norman Bell Road; thence North 80 degrees 21 minutes 45 seconds West a distance of 88.33 to a point; thence North 73 degrees 18 minutes 06 seconds West a distance of 82.44 feet to a point; which is the True Point of Beginning.

Also, conveyed herewith is an easement for ingress and egress to subject property from Norman Bell Road across Tract “B” which easement is more particularly shown on said plat of survey, a copy of which is attached hereto as Exhibit “B” and made a part hereof by reference.

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Wells Fargo Bank, NA is the current owner of the loan.

Said property is commonly known as 311 Norman Bell Road, Murryville, Georgia 30564 together with all fixtures and personal property attached to and constituting a part of said property, if any. To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): Thomas Johnson and Phyllis Johnson or tenant or tenants.

Wells Fargo Bank, NA is the entity or individual designated, who shall have full authority to negotiate, amend and modify all terms of the mortgage pursuant to established guidelines.

Wells Fargo Bank, NA

Loss Mitigation

3476 Stateview Boulevard

Fort Mill, SC 29715

1-800-662-5014

Note, however, that such entity or individual is not required by law to negotiate, amend or modify the terms of the loan.

Said property will be sold subject to: (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) the right of redemption of any taxing authority, (c) any matters which might be disclosed by an accurate survey and inspection of the property, and (d) any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

Said property will be sold subject to: (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) unpaid water or sewage bills that constitute a lien against the property whether due and payable or not yet due and payable and which may not be of record, (c) the right of redemption of any taxing authority, (d) any matters which might be disclosed by an accurate survey and inspection of the property, and (e) any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the Security Deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and non-judicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided immediately above.

Wells Fargo Bank, NA as agent and Attorney in Fact for Thomas Johnson and Phyllis Johnson

THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 1000-667488934

(9/26, 10.3, 10/10, 10/17, 10/24,10/31)

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Notice of Sale under Power

LUMPKIN COUNTY

STATE OF GEORGIA

Under and by virtue of the Power of Sale contained in a Security Deed given by Nicky B. Anderson and Kathy S. Anderson to CitiFinancial Services, Inc., dated January 24, 2002, recorded on February 1, 2002 in Deed Book T28, Page 168, Lumpkin County, Georgia Records, said Security Deed having been last sold, assigned, transferred and conveyed to CitiFinancial Services, Inc., the secured creditor, by Assignment conveying the after-described property to secure a Note in the original principal amount of One Hundred Twenty Thousand Nine Hundred Twenty-Two and 74/100 DOLLARS ($120,922.74), with interest thereon as set forth therein, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on November 6, 2012 during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit:

All that tract of land lying and being in Land Lot 286 of the 15th District, 1st Section, Lumpkin County, Georgia and being more particularly described as follows:

Beginning at the southeast corner (corner being apparent and agreed on by Grizzle and Anderson) of Land Lot 286 and run thence along land of Dennis J. Grizzle, said line being the southerly line of Land lot 286, N 83-58-53 W, 733.50 feet to a point; run thence an agreed line between and agreed on by George Cain and Anderson, N 07-46-21 E 663.95 feet to a point in the center of a graded drive at lands of Seabolt; run thence along center of said graded drive and land of seabolt, S 44-43-46 E, 171.67 feet to a point; S 45-27-28 E 104.34 feet to a point; thence leaving said drive and continuing along seabolt land, N 66-39-26 E, 236.13 feet to a point, N 88-46-41 E 277.59 feet to a point on the easterly line of land lot 286, run thence along said land lot line and land of Stancil S 04-27-36 W, 641.03 feet to the southeast corner of Land lot 286 the point of beginning.

Said property is known as 648 Marlie Seabolt Road, Dahlonega, GA 30533, together with all fixtures and personal property attached to and constituting a party of said property, if any.

Said property will be sold as the property of Nicky B. Anderson and Kathy S. Anderson, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Nicky B. Anderson and Kathy S. Anderson or a tenant or tenants. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and non-judicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation of the audit of the status of the loan as provided immediately above.

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including, without limitation, attorneys’ fees. Notice has been given of intention to collect attorneys’ fees and other charges in accordance with the terms of the Note secured by said Deed. The balance, if any, will be distributed as provided by law.

Pursuant to O.C.G.A. 44-14-162.2, the name, address and telephone number of the individual or entity who shall have the full authority to negotiate, amend, or modify all terms of the above-described mortgage on behalf of the secured creditor, CitiFinancial Services, Inc., is as follows: CitiFinancial North America, Attention: Foreclosure Department, 1111 Northpoint, Suite 100 Bldg 4, Coppell, TX 75019, 888-491-8970. The foregoing notwithstanding, nothing in O.G.C.A. 44-14-162.2 shall require the secured creditor to negotiate, amend or modify the terms of the mortgage instrument.

CitiFinancial Services, Inc.

as Attorney in Fact for

Nicky B. Anderson and Kathy S. Anderson

Morris|Hardwick|Schneider, LLC

1301 Hightower Trail, Suite 305

Sandy Springs, Georgia 30350

http://foreclosure.closingsource.net

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(10/10, 10/17, 10/24, 10/31)

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Notice of Sale under Power

State of Georgia

LUMPKIN COUNTY

Pursuant to a power of sale contained in a certain security deed executed by Paul A. Andreasen and Theresa D. Andreasen, hereinafter referred to as Grantor, to MLA, Inc. recorded in Deed Book B14, beginning at page 322, of the deed records of the Clerk of the Superior Court of the aforesaid state and county, and by virtue of a default in the payment of the debt secured by said security deed, the undersigned attorney-in-fact for the aforesaid Grantor (which attorney-in-fact is the present holder of said security deed and note secured thereby) will sell before the door of the courthouse in said county within the legal hours of sale, for cash, to the highest bidder on the first Tuesday in November 2012, the property which, as of the time of the execution of said security deed, was described as set forth in the attached Exhibit “A”. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, and all other matters of record superior to the said security deed. MidFirst Bank, through its division Midland Mortgage as loan servicer is the entity with full authority to negotiate, amend and modify the terms of the Note and Security Deed. MidFirst Bank, through its division Midland Mortgage’s address is: 999 Northwest Grand Boulevard, Oklahoma City, Oklahoma 73118. MidFirst Bank, through its division Midland Mortgage may be contacted by telephone at 1-800-552-3000. To the best of the undersigned’s knowledge and belief, the party in possession of the property is believed to be Theresa D. Andreasen.

MidFirst Bank,

As Transferee, Assignee, and Secured Creditor

As attorney-in-fact for the aforesaid Grantor

Raymond S. Martin, P.C.

Attorney at Law

990 Hammond Drive

Suite 800

One Lakeside Commons

Atlanta, Georgia 30328

(770) 392-0041

THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT

AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 1012 of the 11th District, 1st Section of Lumpkin county, Georgia, consisting of 2.183 acres, more or less, together with all improvements located thereon to include the 1980 70x14 Western Mobile Home, Manufacturer’s Id No. A280466ALS14598, and being more particularly set out on a plat of survey dated August 30, 1994, revised September 13, 1994, prepared for Paul A. and Theresa D. Andreasen by Michael Stewart Kelley, Georgia Registered Land Surveyor. This plat is recorded in Plat Book 27, Page 128, Lumpkin County Records, and is incorporated herein by reference for a more detailed description.

This property is conveyed subject to all easements for roads and utilities in use or of record including, but not limited to, an easement in favor of Georgia Power Company recorded in Deed Book Y-1, Pages 260-261, Lumpkin County Records, an easement in favor of Georgia Power Company recorded in Deed Book Y-1, Page 348, Lumpkin County Records, an easement in favor of Amicalola EMC recorded in Deed Book S-4, Page 282, Lumpkin County Records, and that electrical power line easement shown on the plat of survey providing electrical service to the house.

(10/10, 10/17, 10/24, 10/31)

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Notice of Sale under Power

LUMPKIN COUNTY, GEORGIA

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Under and by virtue of the Power of Sale contained in a Security Deed given by Darrell Arrowood and Betty Arrowood to Reliable Mortgage, Inc., dated October 15, 2007, recorded in Deed Book 1073, Page 6, Lumpkin County, Georgia Records, as last transferred to JPMorgan Chase Bank, N. A. by assignment recorded in Deed Book 1217, Page 596, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED SEVEN THOUSAND AND 0/100 DOLLARS ($107,000.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in November, 2012, the following described property:

All that tract or parcel of land lying and being in Land Lot 76, 11th Land District, Lumpkin County, Georgia, and being fully described by a plat prepared by Chris M. Patton, Georgia Registered Land Surveyor, dated March 26, 2006, and per said plat, the property contains 0.93 acres, more or less, and being more particularly described as follows: Beginning at a point at the intersection of the centerline of State Route 115 and Meeks Road thence north 48 degrees 27 minutes 24 seconds west 37.97 feet to a point, said point being the point of beginning; thence along the right of way of Meeks Road (which right of way is a 60 foot right of way) south 79 degrees 20 minutes 28 seconds west 26.22 feet to a point; thence south 76 degrees 52 minutes 35 seconds west 41.51 feet to a point; thence south 66 degrees 19 minutes 39 seconds west 71.07 feet to a point; thence south 57 degrees 12 minutes 16 seconds west 58.66 feet to a point; thence south 66 degrees 32 minutes 12 seconds west 17.30 feet to a 1/2 inch rebar pin set; thence along property now or formerly of Delores Cellerman run north 14 degrees 52 minutes 36 seconds west 227.87 feet to a 1/2 inch rebar pin set; thence along property now or formerly of Dwain Rainey run north 86 degrees 24 minutes 40 seconds east 235.82 feet to a 1/2 inch rebar pin set on the right-of-way of State Route 115 (which right of way is a 50 foot right of way); thence south 07 degrees 16 minutes 39 seconds east 154.77 feet along the right of way of State Route 115 to the point of beginning.

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). JPMorgan Chase Bank, National Association holds the Note and Security Deed to the above-referenced property and services the above-referenced loan on behalf of the current owner of the loan: Federal National Mortgage Association (“Fannie Mae”). “JPMorgan Chase Bank, National Association can be contacted at 800-446-8939 or by writing to 3415 Vision Drive, Columbus, OH 43219, to discuss possible alternatives to foreclosure, and has the authority to negotiate, amend or modify the terms of the loan. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

To the best knowledge and belief of the undersigned, the party in possession of the property is Darrell Arrowood and Betty Arrowood or a tenant or tenants and said property is more commonly known as 3056 Old Dahlonega Hwy, Dahlonega, Georgia 30533. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. JPMorgan Chase Bank, National Association as Attorney in Fact for Darrell Arrowood and Betty Arrowood Johnson & Freedman, LLC

1587 Northeast Expressway

Atlanta, Georgia 30329

(770) 234-9181 www.jflegal.com

MSP/ 11/6/12 Our file no. 119011-FT20

(10/10, 10/17, 10/24, 10/31)

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Notice of Sale under Power

LUMPKIN COUNTY

Under and by virtue of the power of sale contained in the Deed to Secure Debt from STEVE A. BARRETT and HEATHER R. BARRETT to CHESTATEE STATE BANK, dated June 2, 2008, filed and recorded on June 23, 2008 in Deed Book 1099, Page 136, Lumpkin County, Georgia Records; last modified by agreement recorded in Deed Book 1176, Page 364, Lumpkin County Records; and transferred and assigned by Master Assignment dated December 17, 2010 from the Federal Deposit Insurance Corporation (“FDIC”), as Receiver of Chestatee State Bank, to Bank of the Ozarks, recorded in Deed Book 1181, Page 305, Lumpkin County, Georgia Records; said Deed to Secure Debt, as modified and assigned, given to secure, among other things, a note from STEVE A. BARRETT and HEATHER R. BARRETT in the principal amount of Two Hundred and Thirty-Eight Thousand, Eight Hundred and Ninety-One and 50/100 Dollars ($238,891.50), as such note may have been renewed or modified, the property described in said Deed to Secure Debt will be sold by Bank of the Ozarks, as successor in interest to and assignee of the FDIC, as Receiver of Chestatee State Bank, at public outcry to the highest bidder for cash before the Courthouse door at Lumpkin County, Georgia, within the legal hours of sale on Tuesday, November 6, 2012, which property is more particularly described as follows:

All that tract or parcel of land lying and being in Land Lot 371, 5th District, 1st Section, Lumpkin County, Georgia, and being fully described by a plat prepared by Mark E. Chastain, Georgia Registered Land Surveyor, dated October 29, 2004; and as per said plat, the property contains 3.37 acres, more or less, the subject plat being of record in Plat Cabinet 1, Slide 149, Plat 171, Lumpkin County Records. Said plat is hereby incorporated by reference.

This conveyance is made subject to easements of record for public roads and utilities now in use.

This conveyance is made subject to any easements of record or easements located on the property above described.

The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given).

Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Deed to Secure Debt first set out above.

To the best knowledge and belief of the undersigned, the party in possession of the property is STEVE A. BARRETT and HEATHER R. BARRETT, or a tenant or tenants.

BANK OF THE OZARKS, as successor in interest to and assignee of the FDIC, as Receiver of Chestatee State Bank, as attorney in fact for STEVE A. BARRETT and HEATHER R. BARRETT

Robert A. Weber, Jr.

The Weber Firm, LLC

P.O. Box 74

Gainesville, Georgia 30503

(770)287-8886

This law firm is attempting to collect a debt. Any information obtained will be used for that purpose.

(10/10, 10/17, 10/24, 10/31)

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Notice of Sale under Power

LUMPKIN COUNTY, Georgia

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Jeffery Scott Bearden to Mortgage Electronic Registration Systems, Inc. as nominee for Countrywide Home Loans, Inc., its successors and assigns dated September 8, 2006 in the amount of $128,780.00, and recorded in Deed Book 1008, Page 419, Lumpkin County, Georgia Records; as last transferred to Bank of America, N.A., Successor by Merger to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing LP by assignment; the undersigned, Bank of America, N.A., Successor by Merger to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing LP pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in November, 2012 , during the legal hours of sale, at the Courthouse door in Lumpkin County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit:

All that certain parcel of land situated in Land Lots 832 and 861 of the 5th District, 1st Section County of Lumpkin, State of Georgia, bounded and described as follows:

Beginning at a point on the Southwest boundary line of County Road 225, said Right-of-Way being a 30 foot Right-of-Way, 485.02 feet as measured Northwesterly along the Southwest boundary of County Road 225 from said Right-of-Ways intersection with the East line of Land Lot 661, thence running along the Southwesterly boundary line of County Road 225 bearing North 52 Degrees 30 Minutes 13 Seconds East, a distance of 25.14 feet to an iron pin, thence running along said boundary line North 44 Degrees 36 Minutes 15 Seconds West, a distance of 183.04 feet to an iron pin set along the Southwest boundary line of County Road 225, thence leaving said Right-of-Way and traveling South 44 Degrees 43 Minutes 44 Seconds West a distance of 105.00 feet to an iron pin, thence running South 2 degrees 6 Minutes 25 Seconds East a distance of 150.00 feet to an iron pin found, thence running South 44 Degrees 36 Minutes 15 Seconds East a distance of 105.00 feet to an iron pin found, thence running North 42 Degrees 58 Minutes 52 Seconds East a distance of 210.00 feet to a point located on the Southwest boundary line of County Road 225, said point being the Point of Beginning, as per plat of survey prepared by Perry E. McClung, Georgia Registered Land Surveyor No. 1641, for Glen P. Foster and Rachel G. Foster dated 3-10-97.

Tax/Parcel ID: 004 047

which has the property address of 39 Seven Oaks Dr, Dahlonega, Georgia. together with all fixtures and other personal property conveyed by said deed.

The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

Notice has been given of intention to collect attorneys’ fees in accordance with the terms of the note secured by said deed. Notice has been also given, in writing and by certified mail, return receipt requested, to the borrower, of the name, address, and telephone number of the individual or entity who shall have full authority to negotiate, amend, and modify all terms of the Security Deed and the note thereby secured in accordance with O.C.G.A. Section 44-14-162.2(a).

Said property will be sold as the property of Jeffery Scott Bearden and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed.

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(10/10, 10/17, 10/24, 10/31)

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Notice of Sale under Power

LUMPKIN COUNTY, GEORGIA

Because of the default in the payment of a note executed by Frank H. Berryhill and Allene V. Maxcy secured by a deed to secure debt executed by Frank H. Berryhill and Allene V. Maxcy to Mariah Construction, LLP., dated December 10, 2001, and recorded in the Clerk’s Office of Lumpkin County, Georgia, in Deed Book N28, pages 199-200, the undersigned has declared the full unpaid amount of the indebtedness secured by said deed due and payable, and acting under the power of sale contained in said deed, for the purpose of paying said indebtedness, will on the first Tuesday in November, 2012 during the legal hours of sale at the Courthouse in Lumpkin County, Georgia, sell at public outcry to the highest bidder for cash, the land described in said deed, to wit:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 117, OF THE 11TH DISTRICT, ORIGINALLY HALL NOW LUMPKIN COUNTY, GEORGIA, CONSISTING OF 1.010 ACRES, MORE OR LESS, BEING MORE FULLY DESCRIBED AND DELINEATED AS LOT #127 ON A PLAT OF SURVEY OF THE WELLINGTON SUBDIVISION, PHASE FOUR, PREPARED BY DONALD REX JONES, REGISTERED GEORGIA LAND SURVEYOR #2396, DATED APRIL 25, 1997, AND RECORDED IN PLAT CABINET 1, SLIDE 5, PLAT 89, LUMPKIN COUNTY RECORDS, SAID PLAT IS INCORPORATED REFERENCE HEREIN.

THIS CONVEYANCE IS MADE SUBJECT TO THAT CERTAIN DECLARATION OF PROTECTIVE COVENANTS FOR THE WELLINGTON SUBDIVISION, WHICH IS RECORDED IN DEED BOOK E18, PAGES 126-128, LUMPKIN COUNTY RECORDS.

To the best knowledge and belief of the undersigned, the physical address of the above described property is 60 LION COURT, DAHLONEGA, GEORGIA 30533

Notice has been given of intention to collect attorney’s fees in accordance with the terms of the note secured by said deed to secure debt.

This sale will be held subject to any unpaid taxes or other assessments which may be liens against said property.

Said property will be sold as the property of Frank H. Berryhill and Allene V. Maxcy, and the proceeds of said sale shall be applied first to the payment in full of said indebtedness, next, to the payment of all expenses connected with said sale, and the remainder, if any, shall be paid as provided in said deed to secure debt.

Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by WHITNEY BUCHMAN AND MARY CLAYTON to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (“MERS”) AS NOMINEE FOR HERITAGE LENDING & INVESTMENTS, LLC , dated 12/27/2007, and Recorded on 01/03/2008 as Book No. 1077 and Page No. 518-535, LUMPKIN County, Georgia records, as last assigned to BANK OF AMERICA, N.A. (the Secured Creditor), by assignment, conveying the after-described property to secure a Note of even date in the original principal amount of $86,541.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash at the LUMPKIN County Courthouse within the legal hours of sale on the first Tuesday in November, 2012, the following described property:

ALL THAT TRACT OR PARCEL OF LAND, TOGETHER WITH IMPROVEMENTS THEREON, LYING AND BEING IN LAND LOTS 46 AND 51 OF THE 11TH DISTRICT, ORIGINALLY HALL COUNTY, NOW LUMPKIN COUNTY, GEORGIA, BEING LOT 26 OF SHERWOOD FOREST SUBDIVISION, PHASE ONE, CONTAINING 2.099 ACRES, AS SHOWN ON A PLAT OF SURVEY PREPARED BY DONALD REX JONES, REGISTERED GEORGIA LAND SURVEYOR #2396, DATED JUNE 22, 2000 AND RECORDED IN CABINET 1, SLIDE 50, PLAT 188, LUMPKIN COUNTY RECORDS, SAID PLAT BEING INCORPORATED HEREIN BY REFERENCE FOR A MORE COMPLETE DESCRIPTION OF THE PROPERTY.

THIS CONVEYANCE IS MADE SUBJECT TO THAT CERTAIN DECLARATION OF PROTECTIVE COVENANTS FOR SHERWOOD FOREST SUBDIVISION, RECORDED IN CABINET 1, SLIDE 50, PLAT 187-B AND 188, LUMPKIN COUNTY RECORDS.

THE WATER SYSTEM IN THIS SUBDIVISION HAS BEEN TURNED OVER AND DEEDED TO LUMPKIN COUNTY IN DEED BOOK U25, PAGES 315-316, LUMPKIN COUNTY RECORDS.

TOGETHER WITH A 2001 PALM HARBOR PS52R2, 28 X 52 MANUFACTURED HOME, SERIAL NUMBER PH234359AB WHICH IS ATTACHED TO AND MADE A PART OF THE REAL PROPERTY.

SUBJECT TO ALL COVENANTS, CONDITIONS, RESTRICITIONS, EASEMENTS, RESERVATIONS AND RIGHTS OF WAY OF RECORD.

The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. Because the debt remains in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). BANK OF AMERICA, N.A. holds the duly endorsed Note and is the current assignee of the Security Deed to the property. BANK OF AMERICA, N.A., AS SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP, acting on behalf of and, as necessary, in consultation with BANK OF AMERICA, N.A. (the current investor on the loan), is the entity with the full authority to negotiate, amend, and modify all terms of the loan. Pursuant to O.C.G.A. § 44-14-162.2, BANK OF AMERICA, N.A., AS SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP may be contacted at: BANK OF AMERICA, N.A., AS SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP, PTX-C-32, 7105 CORPORATE, PLANO, TX 75024, 800-669-6650. Please note that, pursuant to O.C.G.A. § 44-14-162.2, the secured creditor is not required to amend or modify the terms of the loan.

To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 76 ROBIN HOOD DRIVE, MURRAYVILLE, GEORGIA 30564 is/are: WHITNEY BUCHMAN AND MARY CLAYTON or tenant/tenants. Said property will be sold subject to (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) any matters which might be disclosed by an accurate survey and inspection of the property, and (c) all matters of record superior to the Deed to Secure Debt first set out above, including, but not limited to, assessments, liens, encumbrances, zoning ordinances, easements, restrictions, covenants, etc. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the security deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and nonjudicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided in the preceding paragraph.

BANK OF AMERICA, N.A.

as Attorney in Fact for

WHITNEY BUCHMAN AND MARY CLAYTON.

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

20120031405530

BARRETT DAFFIN FRAPPIER LEVINE & BLOCK, LLP

15000 Surveyor Boulevard

Addison, Texas 75001

Telephone: (972) 341-5398.

(10/10, 10/17, 10/24, 10/31)

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Notice of Sale under Power

LUMPKIN COUNTY, GEORGIA

By virtue of a Power of Sale contained in that certain Security Deed from DONALD CHAPMAN to COUNTRYWIDE BANK FSB, dated August 15, 2007, recorded August 24, 2007, in Deed Book 1060, Page 361-375, Lumpkin County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of One Hundred Twenty-Five Thousand One Hundred and 00/100 dollars ($125,100.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to Bank of America, N.A. successor by merger to Countrywide Bank, N.A., formerly known as Countrywide Bank, FSB, secured creditor, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in November, 2012, all property described in said Security Deed including but not limited to the following described property:

ALL THAT TRACT OR PARCEL OFLAND LYING AND BEING IN LAND LOTS 256 AND 257 OF THE 12TH

DISTRICT, 1ST SECTION OF LUMPKIN COUNTY, GEORGIA, AND BEING KNOWN AND DESIGNATED AS THE 1.356 ACRE TRACT ON THE PLAT OF SURVEY FOR WILLIAM C. HAYES AND LOIS J. HAYES, BY PRECISION LAND SERVICES, MICHAEL STEWART KELLEY, R.L.S. NO. 2313, OF RECORD IN PLAT BOOK 29, PAGE 24, LUMPKIN COUNTY, GEORGIA RECORDS, WHICH IS INCORPORATED BY REFERENCE HEREIN FOR A MORE FULL AND COMPLETE DESCRIPTION. THIS CONVEYANCE IS MADE ALONG WITH AND SUBJECT TO THOSE EASEMENT RIGHTS SET OUT MORE FULLY IN A GRANT OF EASEMENT, ROAD MAINTENANCE AND JOINT WELL AGREEMENT SET OUT IN DEED BOOK L-15, PAGES 280-281, LUMPKIN COUNTY, GEORGIA RECORDS.

THIS CONVEYANCE IS ALSO SUBJECT TO THE DECLARATION OF PROTECTIVE AND RESTRICTIVE COVENANTS AND ROAD MAINTENANCE AGREEMENT FOR MOONEY CREEK SUBDIVISION SET OUT IN DEED BOOK W-8, PAGES 239-242, AND TO EARLIER RESTRICTIVE COVENANTS SET OUT IN DEED BOOK M-8, PAGES 102-104, LUMPKIN COUNTY, GEORGIA RECORDS.

Said legal description being controlling, however the property is more commonly known as 32 MOONSHINE RDG, DAHLONEGA, GA 30533-0000.

The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed and Note, including but not limited to the nonpayment of the indebtedness as and when due. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys` fees (notice to collect same having been given) and all other payments provided for under the terms of the Security Deed and Note.

Said property will be sold on an “as-is” basis without any representation, warranty or recourse against the above-named creditor or the undersigned. The sale will also be subject to the following items which may affect the title: any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable); the right of redemption of any taxing authority; matters which would be disclosed by an accurate survey or by an inspection of the property; all zoning ordinances; assessments; liens; encumbrances; restrictions; covenants, and any other matters of record superior to said Security Deed.

To the best of the knowledge and belief of the undersigned, the owner and party in possession of the property is DONALD CHAPMAN, or tenants(s).

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed.

Bank of America, N.A., holds the duly endorsed Note and is the current assignee of the Security Deed to your property. Bank of America, N.A., acting on behalf of and, as necessary, in consultation with Federal National Mortgage Association (the current investor on your loan), is the entity with the full authority to negotiate, amend, and modify all terms of your loan. Pursuant to O.C.G.A. § 44-14-162.2, you may contact Bank of America, N.A. at:

Bank of America, N.A.

Home Loan Assistance Dept

7105 Corporate Drive

Plano, TX 75024

1-800-669-6650

Please note that, pursuant to O.C.G.A. § 44-14-162.2, you are not entitled by law to an amendment or modification of the terms of your loan.

Because of a default in the payment of the indebtedness secured by a Security Deed executed by Adam Shane Clark and Ginger Wadsworth Clark to Washington Mutual Bank, FA dated September 9, 2003, and recorded in Deed Book K32, Page 219, Lumpkin County Records, said Security Deed having been last sold, assigned, transferred and conveyed to Wells Fargo Bank, NA by Assignment, securing a Note in the original principal amount of $120,000.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, November 6, 2012, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 107 OF THE 12TH DISTRICT, 1ST SECTION OF LUMPKIN COUNTY, GEORGIA, BEING LOT 4, AS PER PLAT OF SURVEY RECORDED IN PLAT BOOK 28, PAGE 193, LUMPKIN COUNTY, GEORGIA RECORDS, WHICH PLAT IS INCORPORATED HEREIN BY REFERENCE AND MADE A PART HEREOF BY REFERENCE.

Said property is known as 8397 Dawsonville Highway, Dawsonville, GA 30534, together with all fixtures and personal property attached to and constituting a part of said property, if any.

Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

The proceeds of said sale will be applied to the payment of said indebtedness and all expenses of said sale as provided in said Deed, and the balance, if any, will be distributed as provided by law.

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the secured creditor.

The property is or may be in the possession of Adam Shane Clark, successor in interest or tenant(s).

*THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

[FC-NOS]

(10/10, 10/17, 10/24, 10/31)

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Notice of Sale under Power

LUMPKIN COUNTY, GEORGIA

Under and by virtue of the power of sale contained in that certain Deed to Secure Debt from Matthew M. Cook and Erin W. Cook to Mortgage Electronic Registration Systems, Inc. in the original principal amount of $218,000.00 dated 06/14/2007, and recorded in Deed Book 1050, page 35, Lumpkin County records, said Security Deed being last transferred and assigned to CitiMortgage, Inc. in Deed Book 1219, Page 645, the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday of November, 2012 by CitiMortgage, Inc., as Attorney-in-Fact for Matthew M. Cook and Erin W. Cook the following described property:

The land referred to in this exhibit is located in the County of Lumpkin and the State of Georgia in Deed Book B33 at Page 17, and described as follows:

All that tract or parcel of land lying and being in Land Lot 98, 4th District, 1st Section, Lumpkin County, Georgia, and being fully described by a plat prepared by Randall E. Nichols, Georgia Registered Land Surveyor, dated January 14, 2004, and as per said plat the property contains 3.025 acres, more or less, the subject plat being of record in Plat Cabinet One, Slide 97, Plat 121A, Lumpkin County Records. Said plat is incorporated herein by reference.

Also conveyed herein is that certain easement for ingress, egress and the installation of utilities over the existing road which connects property of the property of the first part with Town Creek Road.

For Informational Purposes Only: The APN is shown by the county assessor as 104 69; source of title is Book U35, page 550 (recorded 05/25/05).

Property known as: 386 Trails End, Dahlonega, GA 30533

The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of the indebtedness secured thereby, this sale will be made for the purposes of paying the same and all expenses of sale, including attorney’s fees, (notice having been given as provided by law).

The property will be sold as the property of The Aforesaid Grantors subject to the following:

(1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) the outstanding ad valorem taxes and assessments, if any; (5) unpaid water and sewage bills, that constitute liens against the property, whether due and payable or not yet due and payable; and (6) matters of record superior to the security deed first set out above.

CitiMortgage, Inc. holds the Note and referenced Security Deed and services the loan on behalf of Federal National Mortgage Association, the current owner of your loan. Pursuant to O.C.G.A Section 44-14-162.2 the name of the person or entity who has the full authority to negotiate, amend, or modify the terms of the aforementioned indebtedness is:

CitiMortgage, Inc.

1000 Technology Drive

O’Fallon, MO 63368

PHONE: 866-272-4749

Pursuant to O.C.G.A. Section 44-14-162.2, nothing contained in this Notice of Sale shall obligate any entity to negotiate, amend, or modify said indebtedness.

To the best of the undersigned’s knowledge and belief, the party in possession is Matthew M. Cook and Erin W. Cook.

This law firm is acting as a debt collector attempting to collect a debt, any information obtained will be used for that purpose.

Pendergast & Associates, P.C.

South Terraces, Suite 1000

115 Perimeter Center Place

Atlanta, GA 30346

Phone – (770) 392-0398

Toll Free – (866) 999-7088

www.penderlaw.com

Our File No. 12-07125

(10/10, 10/17, 10/24, 10/31)

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Notice of Sale under Power

County of Lumpkin, State of Georgia

Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by JANICE DAVIS to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (“MERS”), AS NOMINEE FOR TAYLOR, BEAN & WHITAKER MORTGAGE OCRP. , dated 04/03/2008, and Recorded on 04/07/2008 as Book No. 1088 and Page No. 739-750, LUMPKIN County, Georgia records, as last assigned to BANK OF AMERICA, N.A. (the Secured Creditor), by assignment, conveying the after-described property to secure a Note of even date in the original principal amount of $95,599.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash at the LUMPKIN County Courthouse within the legal hours of sale on the first Tuesday in November, 2012, the following described property:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 115, 1ST DISTRICT, 1ST SECTION, LUMPKIN COUNTY, GEORGIA AND BEING FULLY DESCRIBED AS LOT 7, EAST LUMPKIN ACRES SUBDIVISION, BY A PLAT PREPARED BY MICHAEL L. SCUPIN, GEORGIA REGISTERED LAND SURVEYOR, DATED APRIL 30, 1984: AND AS PER SAID PLAT, THE PROPERTY CONTAINS 1.055 ACRES, MORE OR LESS, THE SUBJECT PLAT BEING OF RECORD IN PLAT BOOK 13, PAGE 30, LUMPKIN COUNTY RECORDS. SAID PLAT IS HEREBY INCOPORATED BY REFERENCE.

ALSO CONVEYED IS A 1/8 UNDIVIDED INTEREST IN 0.039 ACRES, AS SHOWN ON THE ABOVE REFERENCED PLAT AND BEING SET OUT AS THE EXISTING WELL LOT.

THE GRANTEE HEREIN RECOGNIZES THAT ANY AND ALL MEANS OF INGRESS AND EGRESS TO THE PROPERTY CONVEYED HEREBY WHICH IS PROVIDED BY THE GRANTORS HEREIN OF THEIR SUCCESSORS OR ASSIGNS ARE CONSIDERED BY THE PLANNING COMMISSION OF LUMPKIN COUNTY AND THE GOVERNING BODY OF LUMPKIN COUNTY TO BE PRIVATE WAYS NOT MAINTAINABLE BY SAID GOVERNING BODY; THEREFORE, THE GRANTEE HEREIN HEREBY AGRESS THAT HE/SHE WILL BE RESPONSIBLE FOR HIS/HER SHARE OF THE UP KEEP AND MAINTENANCE OF SAID PRIVATE WAYS, HOLDING COMPLETELY HARMLESS THE GOVERNING BODY OF LUMPKIN COUNTY.

THIS CONVEYANCE IS MADE SUBJECT TO DECLARATION OF PROTECTIVE AND RESTRICTIVE COVENANTS FOR EAST LUMPKIN ACRES DEVELOPMENT AS RECORDED IN DEED BOOK S4, PAGE 58-62, LUMPKIN COUNTY RECORDS.

THIS CONVEYANCE IS MADE SUBJECT TO EASEMENTS FOR PUBLIC ROADS AND UTILITIES NOW IN USE.

THIS CONVEYANCE IS MADE SUBJECT TO ANY EASEMENTS OF RECORDS OR EASEMENTS LOCATED ON THE PROPERTY ABOVE DESCRIBED.

ALSO CONVEYED HEREIN IS A 1986 DOUBLEWIDE MOBILE HOME WITH THE FOLLOWING MANUFACTURER’S ID NOS.: 4012WO187A AND 4012WO187B LOCATED ON THE ABOVE DESCRIBED PROPERTY.

The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. Because the debt remains in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). BANK OF AMERICA, N.A. holds the duly endorsed Note and is the current assignee of the Security Deed to the property. BANK OF AMERICA, N.A., AS SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP, acting on behalf of and, as necessary, in consultation with BANK OF AMERICA, N.A. (the current investor on the loan), is the entity with the full authority to negotiate, amend, and modify all terms of the loan. Pursuant to O.C.G.A. § 44-14-162.2, BANK OF AMERICA, N.A., AS SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP may be contacted at: BANK OF AMERICA, N.A., AS SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP, PTX-C-32, 7105 CORPORATE, PLANO, TX 75024, 800-669-6650. Please note that, pursuant to O.C.G.A. § 44-14-162.2, the secured creditor is not required to amend or modify the terms of the loan.

To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 62 BLAINE DRIVE, DAHLONEGA, GEORGIA 30533 is/are: JANICE DAVIS or tenant/tenants. Said property will be sold subject to (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) any matters which might be disclosed by an accurate survey and inspection of the property, and (c) all matters of record superior to the Deed to Secure Debt first set out above, including, but not limited to, assessments, liens, encumbrances, zoning ordinances, easements, restrictions, covenants, etc. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the security deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and nonjudicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided in the preceding paragraph.

BANK OF AMERICA, N.A.

as Attorney in Fact for

JANICE DAVIS.

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

20120031406077

BARRETT DAFFIN FRAPPIER LEVINE & BLOCK, LLP

15000 Surveyor Boulevard

Addison, Texas 75001

Telephone: (972) 341-5398.

(10/10, 10/17, 10/24, 10/31)

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Notice of Sale under Power

County of Lumpkin, State of Georgia

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Under and by virtue of the Power of Sale contained in a Security Deed given by Michael Day to Mortgage Electronic Registration Systems, Inc., dated July 31, 2008, recorded in Deed Book 1104, Page 88, Lumpkin County, Georgia Records, as last transferred to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing, LP by assignment recorded in Deed Book 1161, Page 610, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED TWENTY-FOUR THOUSAND FIVE HUNDRED SEVENTY-ONE AND 0/100 DOLLARS ($124,571.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in November, 2012, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Bank of America, N.A., 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5100. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument.

To the best knowledge and belief of the undersigned, the party in possession of the property is Michael Day or a tenant or tenants and said property is more commonly known as 153 Mill Creek Spur, Dawsonville, Georgia 30534. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. This law firm is seeking solely to foreclose the creditor’s lien on real estate and this law firm will not be seeking a personal money judgment against you.

Bank of America, N.A., successor by merger to BAC Home Loans Servicing, LP formerly known as Countrywide Home Loans Servicing, LP

as Attorney in Fact for

Michael Day

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/rao1 11/6/12

Our file no. 5343610-FT11

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 29 of the 12th District, 1st Section of Lumpkin County, Georgia, as shown on plat of survey entitled “Survey for Walter Scott and Julia Kay Hook” by Jick A Page, RLS # 1894, dated 02/17/89 and recorded in Plat Book 20, Page 166, Lumpkin County, Georgia records. Said plat being incorporated herein by reference and made a part of this description. MR/rao1 11/6/12 Our file no. 5343610 - FT11

(10/10, 10/17, 10/24, 10/31)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Under and by virtue of the Power of Sale contained in a Security Deed given by Shawn Edwards and Stephanie Edwards to Mortgage Electronic Registration Systems, Inc., dated April 19, 2007, recorded in Deed Book 1038, Page 238, Lumpkin County, Georgia Records, as last transferred to BAC Home Loans Servicing, LP formerly known as Countrywide Home Loans Servicing LP by assignment recorded in Deed Book 1158, Page 376, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED SIXTY-FIVE THOUSAND FOUR HUNDRED EIGHTY-THREE AND 0/100 DOLLARS ($165,483.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in November, 2012, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given).

Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Bank of America, N.A., 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5100. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument.

To the best knowledge and belief of the undersigned, the party in possession of the property is Shawn Edwards and Stephanie Edwards or a tenant or tenants and said property is more commonly known as 165 Greenwood Park Way, Dawsonville, Georgia 30534-8452.

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

This law firm is seeking solely to foreclose the creditor’s lien on real estate and this law firm will not be seeking a personal money judgment against you.

Bank of America N.A. successor by merger to BAC Home Loans Servicing, LP formerly known as Countrywide Home Loans Servicing LP

as Attorney in Fact for

Shawn Edwards and Stephanie Edwards

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/mga 11/6/12

Our file no. 51085410-FT11

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 103 of the 12th District, 1st Section of Lumpkin County, Georgia, together with all improvements located thereon, and being more particularly set out as Lot 57 of the Greenwood Park Subdivision on a plat of survey prepared by John T. Gaston, Georgia Registered Land Surveyor. This plat is recorded in Plat Cabinet 1, Slide 86, Pages 107B-113, Lumpkin County Records, and is incorporated herein by reference for a more detailed description.

Also conveyed herewith is a perpetual, non-exclusive easement sixty feet in width running along and with Greenwood Parkway to State Route 9 as shown on the plat of survey.

MR/mga 11/6/12

Our file no. 51085410 - FT11

(10/10, 10/17, 10/24, 10/31)

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Notice of Sale under Power

County of Lumpkin, State of Georgia

Under and by virtue of the Power of Sale contained in a Security Deed given by Tommy G. Evans to United Community Mortgage Services, Incorporation, dated November 15, 2004, recorded on November 29, 2004 in Deed Book 434, Page 108, Lumpkin County, Georgia Records, said Security Deed having been last sold, assigned, transferred and conveyed to Flagstar Bank, FSB, the secured creditor, by Assignment conveying the after-described property to secure a Note in the original principal amount of One Hundred Two Thousand One Hundred Nine and 00/100 DOLLARS ($102,109.00), with interest thereon as set forth therein, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on November 6, 2012 during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit:

All that tract of land located in Land Lot 73, 11th District, originally Hall, now Lumpkin County, Georgia consisting of 1.01 Acres, more or less, being more fully described and delineated as Lot 24, Phase J, Camelot, dated April 25, 1985, prepared by Michael L. Scupin, Georgia Registered Surveyor #1964, recorded in Plat Book 13, Page 95, Lumpkin County Georgia records, which is incorporated herein by reference.

Said property is known as 279 King Arthur Court, Dahlonega, GA 30533, together with all fixtures and personal property attached to and constituting a party of said property, if any.

Said property will be sold as the property of Tommy G. Evans, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Tommy G. Evans or a tenant or tenants. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and non-judicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation of the audit of the status of the loan as provided immediately above.

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including, without limitation, attorneys’ fees. Notice has been given of intention to collect attorneys’ fees and other charges in accordance with the terms of the Note secured by said Deed. The balance, if any, will be distributed as provided by law.

Pursuant to O.C.G.A. 44-14-162.2, the name, address and telephone number of the individual or entity who shall have the full authority to negotiate, amend, or modify all terms of the above-described mortgage on behalf of the secured creditor, Flagstar Bank, FSB, is as follows: Flagstar Bank, FSB, 5151 Corporate Drive, MS S-110-3, Troy, MI 48098, 800-945-7700. The foregoing notwithstanding, nothing in O.G.C.A. 44-14-162.2 shall require the secured creditor to negotiate, amend or modify the terms of the mortgage instrument.

Flagstar Bank, FSB

as Attorney in Fact for

Tommy G. Evans

Morris|Hardwick|Schneider, LLC

1301 Hightower Trail, Suite 305

Sandy Springs, Georgia 30350

http://foreclosure.closingsource.net

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(10/10, 10/17, 10/24, 10/31)

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Notice of Sale under Power

County of Lumpkin, State of Georgia

By virtue of a Power of Sale contained in that certain Security Deed from CYNTHIA FILLIO to Mortgage Electronic Registration Systems, Inc. as nominee for Taylor, Bean & Whitaker Mortgage Corp, dated May 11, 2009, recorded May 28, 2009, in Deed Book 1133, Page 83-94, Lumpkin County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of Eighty-Six Thousand Four Hundred Eighty-Seven and 00/100 dollars ($86,487.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to BANK OF AMERICA, N.A., secured creditor, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in November, 2012, all property described in said Security Deed including but not limited to the following described property:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 931 OF THE 12TH DISTRICT, 1ST SECTION OF LUMPKIN COUNTY, GEORGIA RECORDS AND BEING LOT 40 OF CROWN MOUNTAIN ESTATES AS SET OUT ON A PLAT OF SURVEY PREPARED BY FARLEY-COLLINS AND ASSOCIATES, GEORGIA REGISTERED LAND SURVEYORS, DATED APRIL 18, 1973, REVISED MAY 8, 1973, RECORDED IN PLAT BOOK 3, PAGE 157, LUMPKIN COUNTY, GEORGIA RECORDS, WHICH PLAT IS INCORPORATED HEREIN BY REFERENCE FOR A MORE COMPLETE DESCRIPTION OF THE SUBJECT PROPERTY. THIS CONVEYANCE IS SUBJECT TO ANY AND ALL AGREEMENTS, EASEMENTS, RIGHTS OF WAY, PUBLIC UTILITIES, AND RESTRICTIVE COVENANTS NOW IN USE AND/OR OF RECORD. THIS CONVEYANCE IS MADE SUBJECT TO AND SUBORDINATE TO THE DECLARATION OF PROTECTIVE COVENANTS DATED JUNE 14, 1973, RECORDED IN DEED BOOK D3, PAGES 572-574, LUMPKIN COUNTY, GEORGIA RECORDS.

Said legal description being controlling, however the property is more commonly known as 2241 SILOAM CHURCH ROAD, DAHLONEGA, GA 30533-0000.

The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed and Note, including but not limited to the nonpayment of the indebtedness as and when due. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys` fees (notice to collect same having been given) and all other payments provided for under the terms of the Security Deed and Note.

Said property will be sold on an “as-is” basis without any representation, warranty or recourse against the above-named creditor or the undersigned. The sale will also be subject to the following items which may affect the title: any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable); the right of redemption of any taxing authority; matters which would be disclosed by an accurate survey or by an inspection of the property; all zoning ordinances; assessments; liens; encumbrances; restrictions; covenants, and any other matters of record superior to said Security Deed.

To the best of the knowledge and belief of the undersigned, the owner and party in possession of the property is CYNTHIA FILLIO, or tenants(s).

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed.

BANK OF AMERICA, N.A.

as Attorney in Fact for

CYNTHIA FILLIO

THE BELOW LAW FIRM MAY BE HELD TO BE ACTING AS A DEBT COLLECTOR, UNDER FEDERAL LAW. IF SO, ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Because of a default in the payment of the indebtedness secured by a Security Deed executed by Ronald J. Ford and Debra A. Ford to Mortgage Electronic Registration Systems, Inc. dated July 14, 2009, and recorded in Deed Book 1137, Page 360, Lumpkin County Records, said Security Deed having been last sold, assigned, transferred and conveyed to Wells Fargo Bank, NA by Assignment, securing a Note in the original principal amount of $375,250.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, November 6, 2012, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 1005 AND 1026, 12TH DISTRICT, 1ST SECTION, LUMPKIN COUNTY, GEORGIA AND BEING FULLY DESCRIBED BY A PLAT PREPARED BY FARLEY-COLLINS & ASSOCIATES, GEORGIA REGISTERED LAND SURVEYOR, DATED JUNE 30, 1986: AND AS PER SAID PLAT, THE PROPERTY CONTAINS 1.233 ACRES, MORE OR LESS, BEING MORE PARTICULARLY DESCRIBED AS LOT 47 OF SKY COUNTRY SUBDIVISION. THE SUBJECT PLAT BEING OF RECORD IN PLAT BOOK 13, PAGE 195, LUMPKIN COUNTY RECORDS. SAID PLAT IS HEREBY INCORPORATED BY REFERENCE.

THIS CONVEYANCE IS MADE SUBJECT TO THE RESTRICTIVE COVENANTS FOR SKY COUNTRY AS SET OUT IN DEED BOOK Z-5, PAGES 267-271, LUMPKIN COUNTY RECORDS.

Said property is known as 100 Cloudland Road N, Dahlonega, GA 30533, together with all fixtures and personal property attached to and constituting a part of said property, if any.

Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

The proceeds of said sale will be applied to the payment of said indebtedness and all expenses of said sale as provided in said Deed, and the balance, if any, will be distributed as provided by law.

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the secured creditor.

The property is or may be in the possession of Ronald J. Ford and Debra A. Ford, successor in interest or tenant(s).

*THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(10/10, 10/17, 10/24, 10/31)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Leon Foster and Rita Chastain Foster to Mortgage Electronic Registration Systems, Inc., as nominee for Lend America, its successors and assigns dated October 27, 2008 in the amount of $230,000.00, and recorded in Deed Book 1114, Page 570, Lumpkin County, Georgia Records; as last transferred to GMAC Mortgage, LLC by assignment; the undersigned, GMAC Mortgage, LLC pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in November, 2012 , during the legal hours of sale, at the Courthouse door in Lumpkin County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit:

All that tract or parcel of land lying and being in Land Lots 852 and 917 of the 5th District, 1st Section of Lumpkin County, Georgia, consisting of 12.08 acres, more or less, together with all improvements located thereon, and being more particularly set out on a plat of survey dated April 7, 2001, prepared for Rita C. Foster by Henry Grady Jarrard, Georgia Registered Land Surveyor. This plat is recorded in Slide Cabinet 1, Slide 59, Plat 177 Lumpkin County records, and is incorporated herein by reference for a more detailed description.

Tax ID #: 022 129

which has the property address of 1164 Mill Creek Road, Dahlonega, Georgia, together with all fixtures and other personal property conveyed by said deed.

The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

Notice has been given of intention to collect attorneys’ fees in accordance with the terms of the note secured by said deed. Notice has been also given, in writing and by certified mail, return receipt requested, to the borrower, of the name, address, and telephone number of the individual or entity who shall have full authority to negotiate, amend, and modify all terms of the Security Deed and the note thereby secured in accordance with O.C.G.A. Section 44-14-162.2(a).

Said property will be sold as the property of Leon Foster and Rita Chastain Foster and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed.

GMAC Mortgage, LLC

Attorney in Fact for

Leon Foster and Rita Chastain Foster

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Dahlonega Nugget

File No. 11-16057 /FNMA/lseymore

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(10/10, 10/17, 10/24, 10/31)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Under and by virtue of the Power of Sale contained in a Security Deed given by Gladys Greenwood and Paloma M Deleon to Mortgage Electronic Registration Systems, Inc., dated July 22, 2004, recorded in Deed Book C34, Page 608, Lumpkin County, Georgia Records, as last transferred to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing LP by assignment recorded in Deed Book 1163, Page 363, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED NINE THOUSAND FIVE HUNDRED TEN AND 0/100 DOLLARS ($109,510.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in November, 2012, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Bank of America, N.A., 2270 Lakeside Blvd, Richardson, TX 75082, 1-888-219-7773. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument.

To the best knowledge and belief of the undersigned, the party in possession of the property is Gladys Greenwood and Paloma M Deleon or a tenant or tenants and said property is more commonly known as 61 Royal Oaks Lane, Dahlonega, Georgia 30533. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. This law firm is seeking solely to foreclose the creditor’s lien on real estate and this law firm will not be seeking a personal money judgment against you.

Bank of America, N.A, successor by merger to BAC Home Loans Servicing, LP, formerly known as Countrywide Home Loans, LP

as Attorney in Fact for Gladys Greenwood and Paloma M Deleon

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/rl2 11/6/12 Our file no. 5345410-FT10

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 466, 12th District, 1st Section, Lumpkin County, Georgia, being Lot 34, Royal Oaks Subdivision as per plat recorded in Plat Cabinet 1, Slide 81, Page 10 of the Lumpkin County Deed records, which plat is incorporated herein by reference for a more complete description of said property. MR/rl2 11/6/12 Our file no. 5345410 - FT10

(10/10, 10/17, 10/24, 10/31)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Under and by virtue of the Power of Sale contained in a Security Deed given by Anthony Lane Holbrook and Joanne D Holbrook to Mortgage Electronic Registration Systems, Inc., dated October 14, 2011, recorded in Deed Book 1197, Page 259, Lumpkin County, Georgia Records, as last transferred to Branch Banking and Trust Company by assignment recorded in Deed Book 1223, Page 743, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of TWO HUNDRED FORTY-SIX THOUSAND SEVEN HUNDRED AND 0/100 DOLLARS ($246,700.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in November, 2012, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Branch Banking & Trust Company, 301 College Street, PVN #101729, Greenville, SC 29601, 800-827-3722. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument.

To the best knowledge and belief of the undersigned, the party in possession of the property is Anthony Lane Holbrook and Joanne D Holbrook or a tenant or tenants and said property is more commonly known as 356 Morgan Lane, Dawsonville, Georgia 30534. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. This law firm is seeking solely to foreclose the creditor’s lien on real estate and this law firm will not be seeking a personal money judgment against you.

Branch Banking and Trust Company

as Attorney in Fact for

Anthony Lane Holbrook and Joanne D Holbrook

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/nrb1 11/6/12

Our file no. 5683812-FT15

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lots 313, 314, 317 and 318 of the 12th District, 1st Section, Lumpkin County, Georgia, being Lot 62, Castleberry Ridge, Unit One, as per plat recorded in Plat Book 128, Pages 148-151, as revised at Plat Book 134, Pages 75B-79, Lumpkin County Records, said plat being incorporated herein by reference thereto. MR/nrb1 11/6/12 Our file no. 5683812 - FT15

(10/10, 10/17, 10/24, 10/31)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by WILLIAM B JACKSON to WELLS FARGO BANK, N.A. , dated 04/09/2010, and Recorded on 04/21/2010 as Book No. 1158 and Page No. 364-375, LUMPKIN County, Georgia records, as last assigned to WELLS FARGO BANK, N.A. (the Secured Creditor), by assignment, conveying the after-described property to secure a Note of even date in the original principal amount of $101,190.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash at the LUMPKIN County Courthouse within the legal hours of sale on the first Tuesday in November, 2012, the following described property:

THE LAND REFERRED TO IN THIS POLICY IS SITUATED IN THE STATE OF GEORGIA, COUNTY OF LUMPKIN, AND DESCRIBED AS FOLLOWS:

THE FOLLOWING DESCRIBED LAND, SITUATE, LYING AND BEING IN LUMPKIN COUNTY, GEORGIA, TO WIT:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 70 OF THE 1ST DISTRICT AND 1ST SECTION OF LUMPKIN COUNTY, GEORGIA CONTAINING 1.707 ACRES, MORE OR LESS, AS PER PLAT OF SURVEY PREPARED FOR TERRY WAYNE GRINDLE BY FARLEY- COLLINS ASSOCITES, GEORGIA REGISTERED SURVEYOR, DATED MAY 19, 1988, RECORDED IN PLAT BOOK 16, PAGE 63, LUMPKIN COUNTY RECORDS.

SAID PLAT OF SURVEY IS INCORPORATED HEREIN BY REFERENCE FOR A MORE PARTICULAR DESCRIPTION OF SAID PROPERTY APN#: 118-051

BEING THE SAME PROPERTY CONVEYED TO BRYAN JACKSON, TENANCY NOT STATED BY DEED FROM THE CAIN GROUP, LLP DATED 01/31/2006, FILED 02/08/2006 AND RECORDED IN DEED IN BOOK H37, PAGE 238 IN LUMPKIN COUNTY RECORDS.

The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. Because the debt remains in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). WELLS FARGO BANK, N.A. holds the duly endorsed Note and is the current assignee of the Security Deed to the property. WELLS FARGO BANK, N.A., acting on behalf of and, as necessary, in consultation with WELLS FARGO BANK, N.A. (the current investor on the loan), is the entity with the full authority to negotiate, amend, and modify all terms of the loan. Pursuant to O.C.G.A. § 44-14-162.2, WELLS FARGO BANK, N.A. may be contacted at: WELLS FARGO BANK, N.A., 3476 STATEVIEW BLVD, FORT MILL, SC 29715, 803-396-6000. Please note that, pursuant to O.C.G.A. § 44-14-162.2, the secured creditor is not required to amend or modify the terms of the loan.

To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 691 EMORY STEPHENS ROAD, MURRAYVILLE, GEORGIA 40000 is/are: WILLIAM B JACKSON or tenant/tenants. Said property will be sold subject to (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) any matters which might be disclosed by an accurate survey and inspection of the property, and (c) all matters of record superior to the Deed to Secure Debt first set out above, including, but not limited to, assessments, liens, encumbrances, zoning ordinances, easements, restrictions, covenants, etc. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the security deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and nonjudicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided in the preceding paragraph.

WELLS FARGO BANK, N.A.

as Attorney in Fact for

WILLIAM B JACKSON.

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

20120169805484

BARRETT DAFFIN FRAPPIER LEVINE & BLOCK, LLP

15000 Surveyor Boulevard

Addison, Texas 75001

Telephone: (972) 341-5398.

(10/10, 10/17, 10/24, 10/31)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Under and by virtue of the Power of Sale contained in a Security Deed given by Shawn Koren and Rachael Koren to Mortgage Electronic Registration Systems, Inc., dated January 22, 2010, recorded in Deed Book 1152, Page 445, Lumpkin County, Georgia Records, as last transferred to Bank of America, N.A. by assignment recorded in Deed Book 1221, Page 453, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of TWO HUNDRED SEVENTY-TWO THOUSAND SEVEN HUNDRED EIGHTY-ONE AND 0/100 DOLLARS ($272,781.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in November, 2012, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Bank of America, N.A., 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5100. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument.

To the best knowledge and belief of the undersigned, the party in possession of the property is Shawn Koren and Rachael Koren or a tenant or tenants and said property is more commonly known as 154 Camp Creek Ct, Dawsonville, Georgia 30534. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. This law firm is seeking solely to foreclose the creditor’s lien on real estate and this law firm will not be seeking a personal money judgment against you.

Bank of America, N.A.

as Attorney in Fact for

Shawn Koren and Rachael Koren

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/mga 11/6/12

Our file no. 5853712-FT11

EXHIBIT “A”

Land situated in County of Lumpkin, State of Georgia All that tract or parcel of land lying and being in Land Lot 149 of the 13th District, 1st Section of Lumpkin County Georgia, being Lot 8, Blackburn Forest Subdivision, as per plat recorded in Plat Cabinet 1, Slide 78, Plat 160, revised at Plat Cabinet 1, Slide 84, Plat 71, Lumpkin County, Georgia Records, which plat is incorporated herein and made a part hereof by reference. Warranty Deed from: Shawn Koren to Shawn Koren and Rachel Koren, by deed dated 8/3/2005, recorded 8/10/2005 in Deed Book 436 Page 483. CKA: 154 Camp Creek Court, Dawsonville, GA 30534 Parcel Number: 050-090 MR/mga 11/6/12 Our file no. 5853712 - FT11

(10/10, 10/17, 10/24, 10/31)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

Under and by virtue of the power of sale contained in a Security Deed from MONARCH INVESTMENT PROPERTIES, LLC A/K/A MONARCH INVESTMENTS PROPERTIES, LLC to Appalachian Community Bank, dated September 27, 2007, recorded October 8, 2007, in Deed Book 1067, Page 245 and re-recorded in Deed Book 1226, Page 444, Lumpkin County, Georgia records, transferred to Community & Southern Bank pursuant to that certain Purchase and Assumption Agreement dated as of March 19, 2010, by and among Community & Southern Bank, The Federal Deposit Insurance Corporation, Receiver of Appalachian Community Bank and The Federal Deposit Insurance Corporation, and as assigned to COMMUNITY & SOUTHERN BANK by Assignment recorded in Deed Book 1162, Page 518, Lumpkin County Records, said Security Deed being given to secure a Note from MONARCH INVESTMENT PROPERTIES, LLC dated January 6, 2009 in the original principal amount of Thirty Eight Thousand Three Hundred Fifty One and 28/100 ($38,351.28) Dollars, with interest from date at a rate per cent per annum on the unpaid balance until paid; there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in November, 2012, the following described property:

That tract or parcel of land lying and being in Land Lot. 122, 1st District, originally of Habersham County, now Lumpkin County, Georgia, being described as Lot 15-B-2 containing 1.006 acres as shown on a plat of survey for Jennifer Gaddis, dated June 14, 2002, ,and recorded in Plat Cabinet 1, Slide 74, Page 78B, Lumpkin County Records; said plat being incorporated herein by reference for a more complete description of the property.

Also conveyed herewith is a perpetual, non-exclusive easement thirty feet in width running from the subject property to Winters Mountain Road, and also a perpetual, non-exclusive easement sixty feet in width running along and with the private portion of Winters Mountain Road to the county maintained portion of Winters Mountain Road.

This property is conveyed subject, to that certain Road Maintenance Agreement recorded in Deed Book R-6, Pages 159-162, Lumpkin County Records.

Together with an improvement and immovable fixture permanently attached thereto, a 2003 Southern AK651 manufactured home, Serial Number DSD4AL39544AB.

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given).

Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, easements, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

To the best knowledge and belief of the undersigned, the party in possession of the property is MONARCH INVESTMENT PROPERTIES, LLC A/K/A MONARCH INVESTMENTS PROPERTIES, LLC or a tenant or tenants.

By virtue of a Power of Sale contained in that certain Security Deed from ALICE M. NOBLE to Mortgage Electronic Registration Systems, Inc. as a nominee for Ownit Mortgage Solutions, Inc., dated March 24, 2006, recorded March 28, 2006, in Deed Book P37, Page 237-255, Lumpkin County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of One Hundred Twelve Thousand Eight Hundred and 00/100 dollars ($112,800.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK,AS TRUSTEE FOR THE BENEFIT OF THE CERTIFICATEHOLDERS OF THE CWABS INC., ASSET-BACKED CERTIFICATES, SERIES 2006-BC4 , secured creditor, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in November, 2012, all property described in said Security Deed including but not limited to the following described property:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 447, 12TH DISTRICT, 1ST SECTION LUMPKIN COUNTY, GEORGIA AND BEING LOT 24, 1.00 ACRES MORE OR LESS, OF THE BLUERIDGE OVERLOOK SUBDIVISION, PHASE ONE, ACCORDING TO A PLAT OF SURVEY PREPARED BY MICHAEL S. KELLEY, GEORGIA REGISTERED LAND SURVEYOR, FOR QUALITY HOMES, DATED FEBRUARY 21 ,2004 AND FILED WITH REVISIONS IN CABINET 1, SLIDE 101,PLAT 05, ON MAY 12,2004 LUMPKIN COUNTY, GEORGIA RECORDS. SAID PLAT AND THE RECORD THEREOF ARE INCORPORATED HEREIN BY REFERENCE. CONVEYANCE IS CONVEYED SUBJECT TO THOSE RESTRICTIVE COVENANTS FLIED AT DEED BOOK J 34, PAGE 425, LUMPKIN COUNTY, GEORGIA RECORDS. CONVEYANCE IS SUBJECT TO THE WATER SERVICE AGREEMENT FILED AT BOOK J 34, PAGE 435, LUMPKIN COUNTY, GEORGIA RECORDS.

Said legal description being controlling, however the property is more commonly known as 345 HIGH RIDGE LN, DAHLONEGA, GA 30533.

The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed and Note, including but not limited to the nonpayment of the indebtedness as and when due. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys` fees (notice to collect same having been given) and all other payments provided for under the terms of the Security Deed and Note.

Said property will be sold on an “as-is” basis without any representation, warranty or recourse against the above-named creditor or the undersigned. The sale will also be subject to the following items which may affect the title: any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable); the right of redemption of any taxing authority; matters which would be disclosed by an accurate survey or by an inspection of the property; all zoning ordinances; assessments; liens; encumbrances; restrictions; covenants, and any other matters of record superior to said Security Deed.

To the best of the knowledge and belief of the undersigned, the owner and party in possession of the property is ALICE M. NOBLE, or tenants(s).

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed.

The entity having full authority to negotiate, amend or modify all terms of the loan (although not required by law to do so) is: Bank of America, N.A., as successor by merger to BAC Home Loans Servicing, LP f/k/a Countrywide Home Loans Servicing, LP, Loss Mitigation Dept., 7105 Corporate Drive, PTX-A-274, Plano, TX 75024, Telephone Number: 800-720-3758 for and on behalf of the secured creditor.

THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK,AS TRUSTEE FOR THE BENEFIT OF THE CERTIFICATEHOLDERS OF THE CWABS INC., ASSET-BACKED CERTIFICATES, SERIES 2006-BC4

as Attorney in Fact for

ALICE M. NOBLE

THE BELOW LAW FIRM MAY BE HELD TO BE ACTING AS A DEBT COLLECTOR, UNDER FEDERAL LAW. IF SO, ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Under and by virtue of the Power of Sale contained in a Security Deed given by Pamela J Osborne to Mortgage Electronic Registration Systems, Inc., dated November 16, 2007, recorded in Deed Book 1073, Page 215, Lumpkin County, Georgia Records, as last transferred to Bank of America N.A. by assignment recorded in Deed Book 1219, Page 88, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of SEVENTY-FOUR THOUSAND EIGHT HUNDRED TWENTY-SIX AND 0/100 DOLLARS ($74,826.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in November, 2012, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Bank of America, N.A., 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5100. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument.

To the best knowledge and belief of the undersigned, the party in possession of the property is Pamela J Osborne and Martha K. Stanley or a tenant or tenants and said property is more commonly known as 49 Garden Trail Ln, Dahlonega, Georgia 30533. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. This law firm is seeking solely to foreclose the creditor’s lien on real estate and this law firm will not be seeking a personal money judgment against you.

Bank of America N.A.

as Attorney in Fact for

Pamela J Osborne

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/mga 11/6/12

Our file no. 5609712-FT11

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 645, 12th District, 1st Section, Lumpkin County, Georgia and being fully described by a Plat prepared by John T. Gaston, Georgia Registered Land Surveyor, dated August 21, 2002: and as per said plat, the property contains 1.015 Acres, more or less, being more particularly described as Lot 1, Garden Ridge Subdivision. The subject plat being of record in Plat Cabinet One, Slide 78, Plat 151, Lumpkin County Records. Said plat is hereby incorporated by reference. This conveyance is made subject to easements for public roads and utilities now in use. This conveyance is made subject to and together with any easements of record or easements located on the property above described or accessing the above described property. MR/mga 11/6/12 Our file no. 5609712 - FT11

(10/10, 10/17, 10/24, 10/31)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Under and by virtue of the Power of Sale contained in a Security Deed given by Wesley Micah Porter to Mortgage Electronic Registration Systems, Inc., dated May 25, 2007, recorded in Deed Book 1044, Page 174, Lumpkin County, Georgia Records, as last transferred to Countrywide Home Loan Servicing LP by assignment recorded in Deed Book 1121, Page 321, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED FIFTY-FIVE THOUSAND FIVE HUNDRED SIXTY-FIVE AND 0/100 DOLLARS ($155,565.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in November, 2012, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Bank of America, N.A., 2270 Lakeside Blvd, Richardson, TX 75082, 1-888-219-7773. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument.

To the best knowledge and belief of the undersigned, the party in possession of the property is Wesley Micah Porter or a tenant or tenants and said property is more commonly known as 468 Gold Ridge Road, Dahlonega, Georgia 30533. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. This law firm is seeking solely to foreclose the creditor’s lien on real estate and this law firm will not be seeking a personal money judgment against you.

All that tract or parcel of land lying and being in Land Lot 102 of the 11th District, Lumpkin County, Georgia, Being Lots 10 and 11 of Yellow Creek Estates Subdivision, as per Plat recorded in Plat Book 22, Page 9, and as shown on “Reconfigured” plats of record in Plat Cabinet ONE, Slide 117, Pages 128a and 128b, Lumpkin County, Georgia records, which Plat is incorporated herein and made a part hereof by reference. MR/rl2 11/6/12 Our file no. 5169409 - FT10

(10/10, 10/17, 10/24, 10/31)

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Notice of Sale under Power

County of Lumpkin, State of Georgia

Pursuant to the Power of Sale contained in a Security Deed given by Robert Rhine to Mortgage Electronic Registration Systems, Inc. as nominee for Ace Mortgage Funding, LLC. dated 10/20/2008 and recorded in Deed Book 1113 Page 46, Lumpkin County, Georgia records; as last transferred to Wells Fargo Bank, NA, conveying the after-described property to secure a Note in the original principal amount of $ 136,243.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in November, 2012 (November 6, 2012), the following described property:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 1197, IN THE 12TH DISTRICT, 1ST SECTION OF LUMPKIN COUNTY, GEORGIA, BEING LOT 98 CONTAINING 1.09 ACRES, MORE OR LESS, BEING MORE FULLY DESCRIBED AND DELINEATED ACCORDING TO A PLAT OF SURVEY OF UNIT 7 OF THE CHESTERRA SUBDIVISION, PREPARED BY MICHAEL L. SCUPIN, GEORGIA REGISTERED SURVEYOR, WHICH IS RECORDED IN PLAT BOOK 13, PAGE 128, LUMPKIN COUNTY RECORDS, AND WHICH IS INCORPORATED BY REFERENCE HEREIN FOR FULL AND COMPLETE DESCRIPTION.

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Wells Fargo Bank, NA is the current owner of the loan.

Said property is commonly known as 392 Pine Trail, Dahlonega, Georgia 30533 together with all fixtures and personal property attached to and constituting a part of said property, if any. To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): Robert Rhine or tenant or tenants.

Wells Fargo Bank, NA is the entity or individual designated, who shall have full authority to negotiate, amend and modify all terms of the mortgage pursuant to established guidelines.

Wells Fargo Bank, NA

Loss Mitigation

3476 Stateview Boulevard

Fort Mill, SC 29715

1-800-662-5014

Note, however, that such entity or individual is not required by law to negotiate, amend or modify the terms of the loan.

Said property will be sold subject to: (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) the right of redemption of any taxing authority, (c) any matters which might be disclosed by an accurate survey and inspection of the property, and (d) any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

Said property will be sold subject to: (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) unpaid water or sewage bills that constitute a lien against the property whether due and payable or not yet due and payable and which may not be of record, (c) the right of redemption of any taxing authority, (d) any matters which might be disclosed by an accurate survey and inspection of the property, and (e) any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the Security Deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and non-judicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided immediately above.

THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 1000-6673782

(10/10, 10/17, 10/24, 10/31)

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Notice of Sale under Power

County of Lumpkin, State of Georgia

By virtue of the power of sale contained in that certain Georgia Security Deed and Security Agreement from River Junction, LLC to Commercial Loan Solutions III, LLC, as assigned from Commercial Loan Solutions, LLC, as assigned from Branch Banking and Trust Company dated March 21, 2008, and recorded in Deed Book 1089, Page 159, Lumpkin County, Georgia Records, (hereinafter referred to as “Deed to Secure Debt”), there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse at Lumpkin County, Georgia, within the legal hours of sale on Tuesday, November 6, 2012, the property described on Exhibit “A” attached hereto and incorporated herein by reference. The debts secured by said Deed to Secure Debt have been and are hereby declared due and payable because of, among other possible events of default, failure to make payments. The debts remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, including attorney’s fees.

Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, and assessments, liens, encumbrances, zoning ordinances, restrictions, easements, covenants, and matters of record superior to the Deed to Secure Debt first set out above, including, but not necessarily limited to, senior encumbrances that will not be extinguished by the foreclosure sale contemplated by this Notice.

Please note that Commercial Loan Solutions III, LLC is the entity that has full authority to negotiate, amend, and modify all terms of the mortgage, and that Commercial Loan Solutions III, LLC can be contacted through the following representative:

Martin G. Quirk, Esq.

6000 Lake Forrest Drive, Suite 300

Atlanta, Georgia 30328

404-252-1425

To the best knowledge and belief of the undersigned, the Party in possession of the property is River Junction, LLC or a tenant or tenants, and said property is known as Land Lot 992, 12th District, 1st Section, Tract One consisting of 1.338 acres, more or less, and Tract Two consisting of 0.5 acre, more or less, South Chestatee Street, Lumpkin County, Georgia. However, please rely only on the legal description contained in this notice for the location of the property. Please be advised that, if the property contains multiple lots or parcels, the undersigned reserves the right to sell the properties separately or together.

TRACT ONE: All that tract or parcel of land lying and being in Land Lot 992 in the 12th District, 1st Section of Lumpkin County, Georgia, consisting of 1.338 acres, more or less, together with all improvements located thereon, and being more fully described and delineated according to a plat of survey prepared January 31, 1986, and revised August 11, 1994, by Farley – Collins Associates, Georgia Registered Surveyors, which is recorded in Plat Book 27, Page 49, Lumpkin County Records, and which is incorporated by reference herein. This is the same property that was conveyed in a Warranty Deed from Harold Hansard to Wayne Gibson dated May 11, 1996, which is recorded in Deed Book D-16, Page 140, Lumpkin County Records, and which is incorporated by reference herein.

TRACT TWO: All that tract or parcel of land lying and being in Land Lot 992 in the 12th District, 1st Section of Lumpkin County, Georgia, consisting of one-half acre, more or less, together with all improvements located thereon, and being the same property that was conveyed in two Warranty Deeds from Mary Jane Cantrell Satterfield and from Thomas Freeman Cantrell and Dennis David Cantrell to Hoyt Wayne Gibson dated January 30, 1996, and March 1, 1999, which are recorded in Deed Book P-15, Pages 120-121; and Deed Book F-22, Pages 165-166; Lumpkin County Records, and which are incorporated by reference herein. This is the same property that was conveyed in a Warranty Deed from Mrs. Lela Jarrard to Annie Gwen Cantrell dated May 26, 1960, which is recorded in Deed Book J-2, Pages 169-170, Lumpkin County Records, and which is incorporated by reference herein.

Jessica McKibben, Paralegal/Client Coordinator

Quirk & Quirk, LLC

300 Century Springs West

6000 Lake Forrest Drive, NW

Atlanta, Georgia 30328

404-252-1425 telephone

404-671-9135 facsimile

(10/10, 10/17, 10/24, 10/31)

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Notice of Sale under Power

County of Lumpkin, State of Georgia

By virtue of a Power of Sale contained in that certain Security Deed from Robert W. Roak and Christina Kimbriel a/k/a Christina I. Kimbriel to Branch Banking and Trust Company, dated February 26, 2005, recorded March 29, 2005, in Deed Book L-35, Page 609, Lumpkin County, Georgia Records, said Security Deed having been given to secure a Note of even date in the principal amount of ONE HUNDRED SEVENTY-EIGHT THOUSAND SEVEN HUNDRED NINETY-FOUR DOLLARS AND FIFTY CENTS ($178,794.50), with interest thereon as provided for therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in November 2012 by the secured creditor, Branch Banking and Trust Company, as Attorney in Fact for Robert W. Roak and Christina Kimbriel a/k/a Christina I. Kimbriel, all property described in said Security Deed including but not limited to the following described property:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 99 IN THE 1ST DISTRICT, ORIGINALLY OF HABERSHAM, AND NOW OF LUMPKIN COUNTY, GEORGIA, CONSISTING OF 1.00 ACRE, MORE OR LESS, INCLUDING A HOUSE AND ALL OTHER IMPROVEMENTS LOCATED THEREON, AND BEING MORE FULLY DESCRIBED AND DELINEATED AS LOT 6 OF COKER SUBDIVISION ACCORDING TO PLAT OF SURVEY PREPARED JANUARY 27, 2003, BY CIVIL DESIGN SURVEY GROUP, INC., GEORGIA REGISTERED SURVEYOR, WHICH IS RECORDED IN PLAT CABINET ONE, SLIDE 19, PLAT 171-A, LUMPKIN COUNTY RECORDS, AND WHICH IS INCORPORATED BY REFERENCE HEREIN.

Said property being known as 923 Copper Mines Road, Murrayville, GA 30564 according to the present numbering system in Lumpkin County. The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed and Note, including but not limited to the nonpayment of the indebtedness as and when due. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys’ fees and all other payments provided for under the terms of the Security Deed and Note. Said property will be sold subject to the following items which may affect the title to said property: all zoning ordinances; matters which would be disclosed by an accurate survey or by an inspection of the property; any outstanding taxes, including but not limited to ad valorem taxes, which constitute liens upon said property; special assessments; all outstanding bills for public utilities which constitute liens upon said property; all restrictive covenants, easements, rights-of-way and any other matters of record superior to said Security Deed.

To the best of the knowledge and belief of the undersigned, the party in possession of the property is Robert W. Roak and Christina Kimbriel a/k/a Christina I. Kimbriel or tenant(s). The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan. The name of the person or entity who has the full authority to negotiate, amend, and modify all terms of the mortgage is: Branch Banking and Trust Company, 150 Stratford Road, Suite 201, Winston-Salem, NC 27104 TEL (866) 909-4852.

THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

The Geheren Firm, P.C.,

4828 Ashford Dunwoody Road,

2nd Floor,

Atlanta, GA 30338

TEL (678) 587-9500.

(10/10, 10/17, 10/24, 10/31)

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Notice of Sale under Power

County of Lumpkin, State of Georgia

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Under and by virtue of the Power of Sale contained in a Security Deed given by Diane Roddy to Mortgage Electronic Registration Systems, Inc., dated December 5, 2006, recorded in Deed Book 1017, Page 565, Lumpkin County, Georgia Records and as re-recorded in Deed Book 1022, Page 76, Lumpkin County, Georgia Records, as last transferred to BAC Home Loans Servicing, LP, formerly known as Countrywide Home Loans Servicing, LP by assignment recorded in Deed Book 1170, Page 170, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED THIRTY-TWO THOUSAND NINE HUNDRED FOURTEEN AND 0/100 DOLLARS ($132,914.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in November, 2012, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Bank of America, N.A., 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5100. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument.

To the best knowledge and belief of the undersigned, the party in possession of the property is Diane Roddy or a tenant or tenants and said property is more commonly known as 329 Summer Glen Road, Dahlonega, Georgia 30533. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. This law firm is seeking solely to foreclose the creditor’s lien on real estate and this law firm will not be seeking a personal money judgment against you.

Bank of America, N.A., successor by merger to BAC Home Loans Servicing, LP, formerly known as Countrywide Home Loans Servicing, LP

as Attorney in Fact for

Diane Roddy

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/rao1 11/6/12

Our file no. 52263710-FT11

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 71 of the 11th District of Lumpkin County, Georgia, being Tract 1, containing 1.72 acres on Summer Glen Road as per plat of survey recorded at Plat Cabinet 1, Slide 91, Page 16, Lumpkin County, Georgia Records, which plat is incorporated herein and made a part hereof by reference. Also conveyed herewith: A 2004 Horton “Boss” Manufactured Home, 30 X 68, VIN # GEO 1403359 and GEO 1403360. MR/rao1 11/6/12 Our file no. 52263710 - FT11

(10/10, 10/17, 10/24, 10/31)

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Notice of Sale under Power

County of Lumpkin, State of Georgia

By virtue of a Power of Sale contained in that certain Security Deed from JOE E SLAY to Mortgage Electronic Registration Systems, Inc., as nominee for NEIGHBORHOOD FUNDING, INC., dated April 9, 2008, recorded April 17, 2008, in Deed Book 1090, Page 340-354, Lumpkin County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of One Hundred Seven Thousand Three Hundred Fifteen and 00/100 dollars ($107,315.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to BANK OF AMERICA, N.A., secured creditor, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in November, 2012, all property described in said Security Deed including but not limited to the following described property:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 118 OF THE 11TH DISTRICT OF ORIGINALLY HALL, NOW LUMPKIN COUNTY, GEORGIA, AND BEING LOT 10, UNIT TWO, VENETIAN GARDENS, AS SHOWN ON THAT PLAT OF SURVEY PREPARED FOR NATIONAL HOUSING RESOURCES, LLC, BY JIMMY D. BULLOCK, REGISTERED LAND SURVEYOR, DATED SEPTEMBER 16, 1997, RECORDED IN PLAT CABINET 1, SLIDE 11, PLAT 12, LUMPKIN COUNTY, GEORGIA RECORDS, WHICH PLAT IS INCORPORATED HEREIN AND MADE A PART HEREOF BY REFERENCE. ALSO CONVEYED HEREWITH IS A 1998 DESTINY IND. 3519 MANUFACTURED HOME, SERIAL NUMBER OW-64638AB, WHICH IS PERMANENTLY ATTACHED TO AND MADE A PART OF THE REAL PROPERTY.

Said legal description being controlling, however the property is more commonly known as 88 GARDEN TERRACE, DAHLONEGA, GA 30533.

The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed and Note, including but not limited to the nonpayment of the indebtedness as and when due. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys` fees (notice to collect same having been given) and all other payments provided for under the terms of the Security Deed and Note.

Said property will be sold on an “as-is” basis without any representation, warranty or recourse against the above-named creditor or the undersigned. The sale will also be subject to the following items which may affect the title: any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable); the right of redemption of any taxing authority; matters which would be disclosed by an accurate survey or by an inspection of the property; all zoning ordinances; assessments; liens; encumbrances; restrictions; covenants, and any other matters of record superior to said Security Deed.

To the best of the knowledge and belief of the undersigned, the owner and party in possession of the property is JOE E SLAY, or tenants(s).

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed.

The entity having full authority to negotiate, amend or modify all terms of the loan (although not required by law to do so) is: Bank of America, N.A., as successor by merger to BAC Home Loans Servicing, LP f/k/a Countrywide Home Loans Servicing, LP, Loss Mitigation Dept., 7105 Corporate Drive, PTX-A-274, Plano, TX 75024, Telephone Number: 800-720-3758 for and on behalf of the secured creditor.

BANK OF AMERICA, N.A.

as Attorney in Fact for

JOE E SLAY

THE BELOW LAW FIRM MAY BE HELD TO BE ACTING AS A DEBT COLLECTOR, UNDER FEDERAL LAW. IF SO, ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

By virtue of the power of sale contained in a Deed to Secure Debt by MESHELL L. STOKES and TOMMY J. STOKES to CitiFinancial Services, Inc., dated March 3, 2008 and filed for record March 7, 2008 in Deed Book 1085, Page 479, Lumpkin County, Georgia records, and securing a Note in the original principal amount of $256,978.38; there will be sold at a public outcry for cash to the highest bidder before the Courthouse door of Lumpkin County, Georgia, between the legal hours of sale on the first Tuesday in November, 2012, by CitiFinancial Services, Inc. as Attorney-in-Fact for MESHELL L. STOKES and TOMMY J. STOKES the following property to-wit:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 171 OF THE 13TH DISTRICT, 1ST SECTION, LUMPKIN COUNTY, GEORGIA AND BEING ON THAT CERTAIN PLAT FOR MESHELL AND TOMMY STOKES, AS PER PLAT RECORDED IN PLAT BOOK 26, PAGE 148, LUMPKIN COUNTY, GEORGIA RECORDS, WHICH PLAT IS HEREBY REFERRED TO AND MADE A PART HEREOF BY REFERENCE.

BEING THE SAME FEE SIMPLE PROPERTY CONVEYED BY DEED FROM MESHELL L. STOKES TO TOMMY J. STOKES AND MESHELL L. STOKES, AS JOINT TENANTS WITH RIGHTS OF SURVIVORSHIP, DATED 05/06/1996 RECORDED ON 5/21/1996 IN BOOK C16, PAGE 338 IN LUMPKIN COUNTY RECORDS, STATE OF GA.

The above described property is also known as 614 OLD KERNS ROAD, DAWSONVILLE, GA 30534.

The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of the indebtedness secured thereby, this sale will be made for the purpose of paying the same and all expenses of sale, including attorney’s fees, if applicable.

The property will be sold as the property of the aforesaid grantor subject to the following: all prior restrictive covenants, easements, rights-of-way, security deeds, or encumbrances of record; all valid zoning ordinances; matters which would be disclosed by an accurate survey of the property or by any inspection of the property; all outstanding taxes, assessments, unpaid bills, charges, and expenses that are a lien against the property whether due and payable or not yet due and payable.

Pursuant to O.C.G.A. § 44-14-162.2, the name, address and telephone number of the individual or entity who shall have the full authority to negotiate, amend or modify all terms of the above described mortgage is as follows:

CitiMortgage, Inc.

5280 Corporate Drive

Attn: Default Mail Services

Frederick, MD 21703

Phone: HAT Program: 866-272-4749

Fax: 866-989-2089 or 866-989-2088

The foregoing notwithstanding, nothing in O.C.G.A. § 44-14-162.2 shall be construed to require CitiFinancial Services, Inc. to negotiate, amend or modify the terms of the Deed to Secure Debt described herein.

CitiFinancial Services, Inc.

as Attorney-in-Fact for

MESHELL L. STOKES and TOMMY J. STOKES

SHUPING, MORSE & ROSS, L.L.P.

By: S. Andrew Shuping, Jr.

6259 Riverdale Road, Suite 100

Riverdale, GA 30274

770-991-0000

THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT.

ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE

(10/10, 10/17, 10/24, 10/31)

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Notice of Sale under Power

County of Lumpkin, State of Georgia

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Fran Sullens to Mortgage Electronic Registration Systems, Inc. as nominee for United Community Mortgage Services, Inc., its successors and assigns dated January 5, 2010 in the amount of $133,000.00, and recorded in Deed Book 1150, Page 725, Lumpkin County, Georgia Records; as last transferred to GMAC Mortgage, LLC by assignment; the undersigned, GMAC Mortgage, LLC pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in November, 2012 , during the legal hours of sale, at the Courthouse door in Lumpkin County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit:

All that tract or parcel of land lying and being in Land Lot 102 of the 11th District, originally Hall now Lumpkin County, Georgia, consisting of 1.00 acre, more or less, together with all improvements located thereon, and being more particularly set out as Lot 6 of the Pinewood Place Subdivision on a plat of survey prepared for William T. and Amy D. Hopkins by Chris M. Patton, Georgia Registered Land Surveyor. This plat is recorded in Plat Book 30, Page 84, Lumpkin County Records, and is incorporated herein by reference for a more detailed description. This property is conveyed subject to all easements for roads and utilities in use or of record.

which has the property address of 195 Pinewood Place, Dahlonega, Georgia, together with all fixtures and other personal property conveyed by said deed.

The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

Notice has been given of intention to collect attorneys’ fees in accordance with the terms of the note secured by said deed. Notice has been also given, in writing and by certified mail, return receipt requested, to the borrower, of the name, address, and telephone number of the individual or entity who shall have full authority to negotiate, amend, and modify all terms of the Security Deed and the note thereby secured in accordance with O.C.G.A. Section 44-14-162.2(a).

Said property will be sold as the property of Fran Sullens and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed.

GMAC Mortgage, LLC

Attorney in Fact for

Fran Sullens

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Dahlonega Nugget

Publication Dates:10-10-2012, 10-17-2012, 10-24-2012, 10-31-2012

File No. 12-07521 /FNMA/awilby

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(10/10, 10/17, 10/24, 10/31)

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Notice of Sale under Power

County of Lumpkin, State of Georgia

Pursuant to the Power of Sale contained in a Security Deed given by Stanley N Tyler Sr to Wells Fargo Bank, NA dated 8/10/2007 and recorded in Deed Book 1059 Page 711, Lumpkin County, Georgia records; as last transferred to Wells Fargo Bank, NA, conveying the after-described property to secure a Note in the original principal amount of $ 145,145.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in November , 2012 (November 6, 2012), the following described property:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 985 OF THE 5TH DISTRICT, 1ST SECTION OF LUMPKIN COUNTY, GEORGIA, BEING LOT 4 OF CRAWFORD FALLS SUBDIVISION AS SHOWN ON THAT CERTAIN PLAT OF SURVEY FOR PATRICK DEVELOPMENT, LLC, BY DAVID L. RINGO, GRLS NO. 2250, DATED MARCH 3, 2005, AND RECORDED IN PLAT CABINET 1, SLIDE 133, PAGES 59-60, LUMPKIN COUNTY, GEORGIA RECORDS, WHICH PLAT IS INCORPORATED HEREIN AND MADE A PART HEREOF BY REFERENCE.

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Wells Fargo Bank, NA is the current owner of the loan.

Said property is commonly known as 65 Miller Drive, Dawsonville, GA 30534 together with all fixtures and personal property attached to and constituting a part of said property, if any. To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): Stanley N Tyler Sr or tenant or tenants.

Wells Fargo Bank, NA is the entity or individual designated, who shall have full authority to negotiate, amend and modify all terms of the mortgage pursuant to established guidelines.

Wells Fargo Bank, NA

Loss Mitigation

3476 Stateview Boulevard

Fort Mill, SC 29715

1-800-662-5014

Note, however, that such entity or individual is not required by law to negotiate, amend or modify the terms of the loan.

Said property will be sold subject to: (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) the right of redemption of any taxing authority, (c) any matters which might be disclosed by an accurate survey and inspection of the property, and (d) any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

Said property will be sold subject to: (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) unpaid water or sewage bills that constitute a lien against the property whether due and payable or not yet due and payable and which may not be of record, (c) the right of redemption of any taxing authority, (d) any matters which might be disclosed by an accurate survey and inspection of the property, and (e) any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the Security Deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and non-judicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided immediately above.

THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 1000-667488849

(10/10, 10/17, 10/24, 10/31)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

By virtue of a Power of Sale contained in that certain Security Deed from Chadwick Harry Walker and Katherine Melissa Walker to Mortgage Electronic Registration Systems, Inc., as nominee for Countrywide Home Loans, Inc., dated July 25, 2006, recorded August 15, 2006, in Deed Book 1000, Page 25, Lumpkin County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of One Hundred Thirty-Three Thousand Six Hundred and 00/100 dollars ($133,600.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to The Bank Of New York Mellon Fka The Bank Of New York, As Trustee For The Certificateholders Cwalt, Inc., Alternative Loan Trust 2006-32CB, Mortgage Pass-through Certificates, Series 2006-32CB, secured creditor, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in November, 2012, all property described in said Security Deed including but not limited to the following described property:

THE FOLLOWING DESCRIBED REAL PROPERTY SITUATE IN THE CITY OF DAHLONEGA, COUNTY OF LUMPKIN, AND STATE OF GEORGIA, TO WIT:

THE FOLLOWING DESCRIBED REAL PROPERTY, TO WIT: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 102 IN THE 11TH DISTRICT, ORIGINALLY OF HALL, AND NOW OF LUMPKIN COUNTY, GEORGIA, CONSISTING

OF 1.12 ACRES, MORE OR LESS, AND BEING MORE FULLY DESCRIBED AND DELINEATED AS LOT 10 OF THE PINEWOOD PLACE SUBDMSION AS SHOWN ON A PLAT OF SURVEY PREPARED BY PATTON AND PATTON, GEORGIA REGISTERED SURVEYORS, DATED JANUARY 4,1995, RECORDED IN PLAT BOOK 27, PAGE 165, LUMPKIN COUNTY RECORDS. TAX ID #: 99-133 BY FEE SIMPLE DEED FROM ALVIN FRANK WALKER AS SET FORTH IN DEED BOOK B30, PAGE 630 AND RECORDED ON 10/4/2002, LUMPKIN COUNTY RECORDS. THE SOURCE DEED AS STATED ABOVE IS THE LAST RECORD OF VESTING FILED FOR THIS PROPERTY, THERE HAVE BEEN NO VESTING CHANGES SINCE THE DATE OF THE ABOVE REFERENCED SOURCE,

Said legal description being controlling, however the property is more commonly known as 391 Pinewood Pleasant, Dahlonega, GA 30533.

The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed and Note, including but not limited to the nonpayment of the indebtedness as and when due. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys` fees (notice to collect same having been given) and all other payments provided for under the terms of the Security Deed and Note.

Said property will be sold on an “as-is” basis without any representation, warranty or recourse against the above-named creditor or the undersigned. The sale will also be subject to the following items which may affect the title: any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable); the right of redemption of any taxing authority; matters which would be disclosed by an accurate survey or by an inspection of the property; all zoning ordinances; assessments; liens; encumbrances; restrictions; covenants, and any other matters of record superior to said Security Deed.

To the best of the knowledge and belief of the undersigned, the owner and party in possession of the property is Chadwick Harry Walker and Katherine Melissa Walker, or tenants(s).

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed.

The entity having full authority to negotiate, amend or modify all terms of the loan (although not required by law to do so) is: Bank of America, N.A., as successor by merger to BAC Home Loans Servicing, LP f/k/a Countrywide Home Loans Servicing, LP, Loss Mitigation Dept., 7105 Corporate Drive, PTX-A-274, Plano, TX 75024, Telephone Number: 800-720-3758 for and on behalf of the secured creditor.

THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK, AS TRUSTEE FOR THE CERTIFICATEHOLDERS CWALT, INC., ALTERNATIVE LOAN TRUST 2006-32CB, MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2006-32CB

as Attorney in Fact for

CHADWICK HARRY WALKER AND KATHERINE MELISSA WALKER

THE BELOW LAW FIRM MAY BE HELD TO BE ACTING AS A DEBT COLLECTOR, UNDER FEDERAL LAW. IF SO, ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by CHESTER T WILEY III AND SHANNON N WILEY to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (“MERS”), AS NOMINEE FOR AMERICAHOMEKEY, INC. , dated 09/14/2009, and Recorded on 10/01/2009 as Book No. 1143 and Page No. 349-361, LUMPKIN County, Georgia records, as last assigned to WELLS FARGO BANK, N.A. (the Secured Creditor), by assignment, conveying the after-described property to secure a Note of even date in the original principal amount of $147,283.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash at the LUMPKIN County Courthouse within the legal hours of sale on the first Tuesday in November, 2012, the following described property:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 38, 12TH DISTRICT, 1ST SECTION, LUMPKIN COUNTY, GEORGIA, BEING LOT 41, GREENWOOD PARK SUBDIVISION, AS PER PLAT OF SURVEY RECORDED IN PLAT CABINET 1, SLIDE 86 PAGE 108, LUMPKIN COUNTY GEORGIA RECORDS.

The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. Because the debt remains in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). WELLS FARGO BANK, N.A. holds the duly endorsed Note and is the current assignee of the Security Deed to the property. WELLS FARGO BANK, N.A., acting on behalf of and, as necessary, in consultation with WELLS FARGO BANK, N.A. (the current investor on the loan), is the entity with the full authority to negotiate, amend, and modify all terms of the loan. Pursuant to O.C.G.A. § 44-14-162.2, WELLS FARGO BANK, N.A. may be contacted at: WELLS FARGO BANK, N.A., 3476 STATEVIEW BLVD, FORT MILL, SC 29715, 803-396-6000. Please note that, pursuant to O.C.G.A. § 44-14-162.2, the secured creditor is not required to amend or modify the terms of the loan.

To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 537 GREENWOOD PARK WAY, DAWSONVILLE, GEORGIA 30534 is/are: CHESTER T WILEY III AND SHANNON N WILEY or tenant/tenants. Said property will be sold subject to (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) any matters which might be disclosed by an accurate survey and inspection of the property, and (c) all matters of record superior to the Deed to Secure Debt first set out above, including, but not limited to, assessments, liens, encumbrances, zoning ordinances, easements, restrictions, covenants, etc. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the security deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and nonjudicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided in the preceding paragraph.

WELLS FARGO BANK, N.A.

as Attorney in Fact for

CHESTER T WILEY III AND SHANNON N WILEY.

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

20120169805627

BARRETT DAFFIN FRAPPIER LEVINE & BLOCK, LLP

15000 Surveyor Boulevard

Addison, Texas 75001

Telephone: (972) 341-5398.

(10/10, 10/17, 10/24, 10/31)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

WHEREAS, heretofore on November 1, 2010, Jesse Wilson executed a Deed to Secure Debt in favor of Gary Grizzle and Jan Grizzle, in the original principal amount of $38,000.00, which Deed to Secure Debt is recorded in Deed Book 1173, page 145, Lumpkin County, Georgia records; and

WHEREAS, the indebtedness secured by said Deed to Secure Debt has become in default under the terms and conditions of said Deed to Secure Debt, and Gary Grizzle and Jan Grizzle have declared all of said indebtedness secured thereby due and payable;

NOW, THEREFORE, in exercise of the powers of sale contained in said Deed to Secure Debt and in accordance with the law in such cases made and provided, the undersigned, as attorney in fact for the said Gary Grizzle and Jan Grizzle will sell the below described property to the highest and best bidder for cash before the courthouse door in Lumpkin County, Georgia, between the legal hours of sale on the first Tuesday in November, 2012.

The property to be sold is described as follows:

All that tract or parcel of land lying and being in Land Lot 117 of the 11th District, Lumpkin County, Georgia, being Lot 93 of Wellington Subdivision, Phase V, as shown on a plat recorded in Plat Cabinet 1, Slide 19, page 179, Lumpkin County, Georgia records, said plat being incorporated herein by reference for a more complete description thereof.

Also conveyed herewith is any and all right, title and interest in and to the mobile home located on the within-described property.

Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, any matters of record superior to the Deed to Secure Debt first set out above, and rights of redemption, if any, conferred by applicable state or federal law.

The proceeds from said sale will be used first to pay said Deed to Secure Debt in favor of Gary Grizzle and Jan Grizzle and the Note which it secures, legal fees and the costs of foreclosure and the balance, if any, will be disbursed to the parties entitled thereto as provided by law.

To the best knowledge and belief of the undersigned, the party in possession of the property is Jesse Wilson.

Gary Grizzle and Jan Grizzle as

Attorney in Fact for Jesse Wilson

Boling Rice LLC

Attorneys for Gary Grizzle and Jan Grizzle

207 Pirkle Ferry Rd.

Cumming, GA 30040

THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.